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Spending Spike Alerts notify you the moment a user’s spending behaviour changes, from sudden increases in discretionary spend to rising essential costs or category-level pressure. Instead of discovering issues after balances are depleted, your team gains real-time visibility into where and how spending is accelerating.

These alerts cut through raw transaction data and manual reviews. They transform millions of spending events into clear behavioural signals, helping you understand whether spending patterns are normal, increasing gradually, or showing early signs of financial stress.

How it works

Once a user connects their account through secure open banking, the engine continuously categorises transactions and tracks historical spending behaviour across merchants, categories and time periods.
Machine learning and rule-based logic detect anomalies such as sudden spikes, sustained increases or unusual category shifts.

Alerts trigger instantly based on predefined thresholds or intelligent default rules within the engine and are delivered via API or dashboard. Find an example output below:

{
  "alerts": [
    {
      "type": "spending_spike",
      "severity": "high",
      "description": "Discretionary spending increased by 38% over the past 7 days.",
      "timestamp": "2025-02-12T13:41:00Z"
    }
  ],
  "summary": {
    "overall_risk": "medium",
    "recommended_actions": [
      "Review recent spending categories",
      "Assess impact on short-term affordability"
    ]
  }
}

This provides a real-time view of spending pressure without manually reviewing statements or transaction lists.

Proactive spending insight

Spending Spike Alerts help teams identify emerging pressure early and respond with confidence. Whether monitoring affordability, preventing missed payments, managing responsible lending, or improving financial wellbeing tools, the module highlights what’s changing and where risk is forming.

This is particularly valuable for digital banks, lenders, subscription-based services and any product that relies on early behavioural signals to support users fairly.

Why real-time spending alerts matter

Spending behaviour can change rapidly, and traditional monthly or retrospective reviews often miss critical moments.
Real-time alerts surface accelerating spend as it happens, enabling earlier intervention, better user journeys and automated workflows driven by reliable behavioural data.

Timely visibility leads to smarter decisions, reduced risk and more personalised financial experiences.

Get started

See spending pressure the moment it emerges.
Spending Spike Alerts give you instant visibility into category-level changes and behavioural risk, all powered by live open banking data.

Compare plans or book a demo to integrate real-time spending monitoring into your product.