📊Reports

Understand your customers' financial health at a glance with a range of affordability reports.

Our affordability reports provide a structured summary of an individual’s income, expenses, and debt obligations—helping businesses make faster, more accurate financial decisions.

How can businesses use these insights?

Businesses can leverage these enhancements to optimise financial decision-making, improve risk assessments, and personalise financial products. Here’s how:

1. Enhanced affordability assessments Lenders, insurers, and fintech platforms can conduct more accurate affordability checks by:

   • Differentiating stable vs. irregular income sources to assess borrowing capacity

   • Identifying discretionary vs. essential spending to gauge financial resilience

   • Assessing debt obligations to promote responsible lending and reduce default risks

2. Smarter credit and loan decisioning Categorised transaction data enables financial institutions to:

   • Automate credit risk evaluations based on spending behaviour, not just credit scores

   • Set dynamic lending thresholds based on real financial health

   • Identify creditworthy customers who lack traditional credit histories

3. Seamless API integration Easily incorporate affordability insights into your existing systems to streamline workflows and refine financial evaluations.

What might the report/s look like?

Below is an example of how the affordability report could be visualised. While we provide a structured JSON response, it's up to you to design the front-end experience in a way that best fits your workflow.

This means you have full control to:

• Align the report visualisation with your existing UI and user journey

• Incorporate your own branding, terminology, and design language

• Highlight the metrics and insights most relevant to your decision-making processes

Our API gives you the flexibility to build the experience that works best for your team and your customers.