Assess risk with confidence
The Risk Score provides a clear, behaviour-driven assessment of a customer’s financial stability and likelihood of stress. It replaces subjective judgement and fragmented data with a single, evidence-backed score grounded in real transaction behaviour.
Whether you’re underwriting, prioritising cases, or identifying early signs of vulnerability, the score gives you a reliable, dynamic view of risk not assumptions or outdated markers.
How it works
When a customer connects their account, we analyse income stability, spending pressure, discretionary behaviour, volatility, and cashflow patterns. These signals are weighted to produce a unified score that reflects real-world financial resilience and emerging risk.
Here’s an example output:
{
"risk_score": {
"overall_score": 73,
"risk_band": "medium-low",
"drivers": {
"income_stability": 0.88,
"expense_pressure": 0.42,
"overdraft_frequency": "low",
"volatility_score": 0.31,
"behavioural_flags": {
"gambling_activity": false,
"missed_bill_payments": false,
"short_term_credit_use": "moderate"
}
},
"summary": "Stable income, manageable commitments, no high-risk behaviours detected."
You receive a clear, consistent output that blends behavioural insight into a single, defensible metric for faster, higher-quality decisioning.
Trust, speed, and accuracy
The Risk Score is designed for lenders, legal teams, claims specialists, and operational teams that need a dependable view of customer risk. Whether you’re shaping credit policy, triaging cases, or protecting vulnerable customers, the score gives you transparent, repeatable intelligence at pace.
By anchoring decisions in behaviour rather than static data, you reduce exposure, improve fairness, and enhance compliance.
Why risk scoring matters
Generic scores can miss nuance, rely on patchy data, or fail to capture real financial behaviour. Traditional assessments often overlook volatility, lifestyle patterns, or early-warning signals that indicate rising stress.
Our Risk Score uses live transaction behaviour to create a more accurate, forward-looking assessment, revealing the patterns behind someone’s financial resilience, not just their credit history.
It’s a fast, lightweight way to bring behavioural intelligence into any decisioning workflow.
Get started
Ready to bring behavioural risk insight into your decisioning? Our Risk Score provides a clear, reliable view of financial stability and emerging risk. Compare packages or request a demo today.
Assess risk with confidence
The Risk Score provides a clear, behaviour-driven assessment of a customer’s financial stability and likelihood of stress. It replaces subjective judgement and fragmented data with a single, evidence-backed score grounded in real transaction behaviour.
Whether you’re underwriting, prioritising cases, or identifying early signs of vulnerability, the score gives you a reliable, dynamic view of risk not assumptions or outdated markers.
How it works
When a customer connects their account, we analyse income stability, spending pressure, discretionary behaviour, volatility, and cashflow patterns. These signals are weighted to produce a unified score that reflects real-world financial resilience and emerging risk.
Here’s an example output:
{
"risk_score": {
"overall_score": 73,
"risk_band": "medium-low",
"drivers": {
"income_stability": 0.88,
"expense_pressure": 0.42,
"overdraft_frequency": "low",
"volatility_score": 0.31,
"behavioural_flags": {
"gambling_activity": false,
"missed_bill_payments": false,
"short_term_credit_use": "moderate"
}
},
"summary": "Stable income, manageable commitments, no high-risk behaviours detected."
You receive a clear, consistent output that blends behavioural insight into a single, defensible metric for faster, higher-quality decisioning.
Trust, speed, and accuracy
The Risk Score is designed for lenders, legal teams, claims specialists, and operational teams that need a dependable view of customer risk. Whether you’re shaping credit policy, triaging cases, or protecting vulnerable customers, the score gives you transparent, repeatable intelligence at pace.
By anchoring decisions in behaviour rather than static data, you reduce exposure, improve fairness, and enhance compliance.
Why risk scoring matters
Generic scores can miss nuance, rely on patchy data, or fail to capture real financial behaviour. Traditional assessments often overlook volatility, lifestyle patterns, or early-warning signals that indicate rising stress.
Our Risk Score uses live transaction behaviour to create a more accurate, forward-looking assessment, revealing the patterns behind someone’s financial resilience, not just their credit history.
It’s a fast, lightweight way to bring behavioural intelligence into any decisioning workflow.
Get started
Ready to bring behavioural risk insight into your decisioning? Our Risk Score provides a clear, reliable view of financial stability and emerging risk. Compare packages or request a demo today.
