Assess risk with confidence

The Stress Report provides a behaviour-led assessment of financial stability and emerging risk, built from observed transaction data. It replaces fragmented indicators and subjective judgement with a clear, evidence-backed view of financial pressure over time.

Whether you are underwriting, prioritising cases or identifying early signs of vulnerability, the report offers a consistent view of stress based on real financial behaviour rather than assumptions or static markers.

How it works

When a customer connects their account, we analyse income stability, spending pressure, volatility and cashflow patterns across time.

These behavioural signals are combined to indicate levels of financial resilience and emerging stress, reflecting how financial conditions are changing in the real world rather than at a single point in time.

Here is an example of the structured 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."

This provides a clear and consistent assessment that supports faster, more reliable decision-making across teams.

Trust, speed, and accuracy

The Stress Report is designed for regulated organisations that need a dependable view of financial pressure and vulnerability. It highlights early warning signals such as rising commitments, income volatility and sustained spending pressure that traditional approaches often miss.

Outputs are structured for review, audit and regulatory scrutiny, supporting transparent and repeatable decisions across risk, claims and safeguarding workflows.

Why stress indicators matter

Financial stress rarely appears suddenly. It develops through gradual changes in behaviour, volatility and spending patterns that are easy to overlook when relying on static data or generic scores.

Behaviour-led stress analysis reveals these early signals, helping teams understand how financial resilience is changing over time and where intervention or closer review may be required.

This provides a lightweight but robust way to bring behavioural risk insight into operational decision-making.

Get started

Bring behavioural clarity to risk assessment. The Stress Report delivers a consistent, evidence-backed view of financial stability and emerging pressure. Compare packages or request a demo to see it in action.