Understand spending with precision

The Spending Analysis Report gives a structured, behaviour-led view of a customer’s essential costs, discretionary habits, recurring commitments, and overall cashflow profile. It replaces subjective manual review with verified, categorised insight drawn directly from real transaction behaviour.

Whether you’re assessing affordability, validating claims, or identifying vulnerability, the report shows how a customer truly spends, not how they say they spend.

How it works

When a customer connects their account, we classify every transaction, detect recurring patterns, identify fixed commitments, and separate essential spending from lifestyle choices. This produces a clear, evidence-backed view of financial behaviour that supports faster, more defensible decisions.

Here’s an example of the output:

{
  "spending": {
    "monthly_essential_spend": 1380.00,
    "monthly_discretionary_spend": 420.00,
    "recurring_commitments": [
      {
        "merchant": "Rent",
        "amount": 850.00,
        "frequency": "monthly"
      },
      {
        "merchant": "O2 Mobile",
        "amount": 28.00,
        "frequency": "monthly"
      }
    ],
    "behaviour_signals": {
      "gambling_indicators": false,
      "high_cost_short_term_credit": false,
      "overdraft_usage": "low",
      "cash_flow_pattern": "stable"

You receive a clean, categorised summary that removes ambiguity and helps teams make consistent, high-confidence decisions.

Trust, speed, and accuracy

The Spending Analysis Report is built for lenders, legal teams, claims specialists, and financial institutions that need reliable insight into real-world behaviour. Whether you’re modelling affordability, reviewing a case, or identifying potential financial stress, verified spending intelligence adds rigour and confidence to every decision.

By grounding evaluation in actual behaviour, not static documents, you reduce risk, strengthen compliance, and create fairer customer outcomes.

Why spending insights matter

Traditional documents offer limited visibility into real financial habits. Bank statements are time-consuming to review, easily misinterpreted, and inconsistent across customers.

Our analysis transforms raw transactions into structured insight, revealing true financial patterns, emerging risks, and the commitments that shape someone’s ability to pay or sustain repayments.

It’s a fast, lightweight addition that brings behavioural clarity to underwriting, claims, collections, and customer support.

Get started

Ready to add behavioural intelligence to your decisioning? The Spending Analysis Report delivers a clear, verified picture of real financial behaviour. Compare packages or request a demo today.