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The Financial Health Dashboard gives you a complete, real-time view of a user’s money situation — income, spending, commitments, cash flow and behavioural stability, all in one clear interface. It helps you understand financial resilience at a glance, without interpreting raw transactions or chasing supporting documents.

This dashboard replaces fragmented data with a unified financial-health score. It highlights risk indicators early, surfaces affordability concerns and gives teams the confidence to make faster, fairer decisions across onboarding, lending, wellbeing and customer support.

How it works

After a user connects their account through secure open banking, the Financial Health Dashboard analyses their financial activity across a defined period. It calculates income stability, spending behaviour, fixed commitments and cashflow patterns, generating both granular metrics and a high-level financial-health score.

The dashboard combines machine learning, behavioural modelling and categorised transaction data to reveal vulnerability signals, financial pressure points and income-to-commitment ratios.
Here’s an example of the structured output:

{
  "financial_health_score": 72,
  "income": {
    "monthly_income": 2150,
    "income_stability": 0.84,
    "sources": ["Salary"]
  },
  "commitments": {
    "regular_bills": 680,
    "debts": 210,
    "fixed_commitments_score": 0.62
  },
  "spending": {
    "average_monthly_spend": 1250,
    "discretionary_ratio": 0.37,
    "volatility_score": 0.45
  },
  "behaviour_signals": {
    "cashflow_risk": "medium",
    "missed_payment_risk": "low",
    "upcoming_pressure": ["renewal_broadband", "loan_payment"]
  },
  "summary": {
    "overall_status": "stable",
    "recommended_focus": ["Reduce discretionary spend", "Increase emergency savings"]
  }

This gives you a complete, reliable financial-health snapshot, without manually interpreting hundreds of transactions.

Stronger financial wellbeing decisions

The Financial Health Dashboard helps teams quickly understand real financial resilience. It highlights stability risks, spending patterns, pressure points and behavioural signals that could affect affordability or wellbeing. This is especially valuable for digital banks, lenders, fintech apps and services designed to support vulnerable customers.

With clear scoring and transparent categorisation, it gives you confidence that decisions are informed, consistent and backed by behavioural data, not assumptions or outdated checks.

And because it uses live open banking data, the insight is accurate, up to date and free from self-reported inaccuracies.

Financial-health insight matters

Understanding financial behaviour is essential when assessing affordability, identifying vulnerability, or designing responsible financial products. Traditional checks are static and offer only a partial view. The Financial Health Dashboard goes deeper, surfacing cashflow trends, income stability and day-to-day spending behaviours.

This helps you support users more responsibly, identify issues earlier and reduce manual work. It also enables more personalised financial journeys, enhancing engagement and retention.

Get started

Start understanding financial wellbeing in minutes. The Financial Health Dashboard gives you a complete, behaviour-led view, helping your teams make faster, more confident decisions.