Understand spending with precision

The Spending Report provides a clear, behaviour-led view of how a customer allocates their money across essential costs, discretionary spending and recurring commitments. It replaces manual statement review with structured, categorised insight built from real transaction data.

Whether you are assessing affordability, validating a claim or identifying potential vulnerability, the report shows how a customer actually spends, based on observed behaviour rather than self-reported information.

How it works

When a customer connects their account, we classify transactions across all spending categories, identify recurring commitments and track patterns over time.

Essential costs are separated from discretionary spending to create a consistent, evidence-backed view of financial behaviour that supports reliable and defensible decision-making.

Here is an example of the structured 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"

This delivers a clean, categorised summary that removes ambiguity and allows teams to review spending behaviour quickly and consistently.

Trust, speed, and accuracy

The Spending Report is designed for regulated teams that require reliable insight into real-world financial behaviour. It highlights spending pressure, commitment levels and behavioural patterns that are difficult to identify through manual review alone.

Outputs are structured for assessment, audit and regulatory scrutiny, supporting fair and defensible decisions across affordability reviews, case investigations and claims assessment.

Why spending insights matter

Traditional documents offer limited visibility into how money is actually used. Bank statements are time-consuming to interpret and often inconsistent across customers.

Behaviour-led spending analysis transforms raw transaction data into structured insight, revealing patterns, emerging risks and commitments that shape a customer’s ability to sustain payments over time.

This provides a lightweight but robust foundation for underwriting, claims, collections and customer support workflows.

Get started

Bring behavioural clarity into your decision-making. The Spending Report delivers a verified, consistent view of real spending behaviour. Compare packages or request a demo to see it in action.