Open Banking affordability
Understand what your customers can afford
Evaluate real-time income, spending, and risks with data refreshed daily. Make confident lending decisions with the most accurate view of affordability, reducing defaults and ensuring customers can repay comfortably.
A clearer, up-to-date picture of affordability
Understand all sources of income
Capture the full financial picture, including salary, gig work, dividends, pensions, and other income streams.
Identify spending patterns
Gain visibility into spending habits, from essential bills to discretionary expenses.
Account for financial commitments
Consider dependants, recurring bills, and existing repayments to ensure responsible lending decisions.
Two ways to assess affordability
Via API
Use our Transactions and Accounts Endpoints to ingest real-time categorised data and perform your own affordability calculations. Alternatively, leverage our pre-defined Affordability Report block with aggregated transaction data for faster assessments.
Underwriter Dashboard
Visually review income, spending, and risks across clear categories in our portal, streamlining manual affordability reviews and decision-making.
