One enriched view of every customer
Unified profiles from bureaus, Open Banking, CRM and lending history. AI categorisation, income identification and risk flags create one source of truth.
Data engineering capabilities:
AI Categorisation
Every transaction is classified into top-level categories, income, essential bills, living costs, discretionary spending, that drill down into detailed sub-categories for the granular insight affordability and underwriting demands.
The result is a clear surplus calculation: total income minus total expenditure, broken down by category, ready for decisioning. The model learns continuously from corrections and adapts to merchant patterns across your portfolio.
- ✓ Top-level categories with drillable sub-categories
- ✓ Continuous learning from corrections and merchant patterns
- ✓ Feeds affordability, risk scoring and regulatory reporting
Enrichment Engine
Computes hundreds of derived metrics from categorised transactions: debt-to-income ratios, spending volatility, gambling frequency, utility payment regularity and more. Every metric is benchmarked against your portfolio averages and ONS data so you can see exactly where a customer sits relative to the norm.
All metrics are calculated across configurable time windows, 30, 90, 180 days, and work for both consumer and SME/business accounts, including revenue stability, supplier concentration and VAT indicators.
- ✓ Customer metrics benchmarked against portfolio and ONS averages
- ✓ Configurable time windows with consumer and SME support
- ✓ Decision-ready variables for affordability and risk
Income Identification
Every income stream is automatically detected and classified, salary, self-employment, benefits, pension, rental. A 'Best Match' confidence indicator highlights the primary source, verified against Open Banking, employer data and document uploads.
Income shock detection flags sudden drops or spikes, with a full overtime view so you can see stability at a glance. Employer matching, Companies House verification and income duration scoring are all built in.
- ✓ Best Match confidence scoring on primary income
- ✓ Income shock detection with overtime trend view
- ✓ Multi-source verification: Open Banking, employer, documents
Risk & Opportunity Flags
Every transaction is scanned for risk signals, gambling spikes, payday loan usage, BNPL exposure, missed utilities, with merchant-level detail showing 3-month averages, last month totals, and trends over time so you can see exactly where risk is emerging.
Recurring payments are identified and tracked automatically: direct debits, standing orders and subscriptions. Surfaces cross-sell opportunities alongside risks, rate reductions, balance transfers and top-up loans for eligible customers.
- ✓ Merchant-level risk detail with trend tracking
- ✓ Automatic recurring payment identification
- ✓ Cross-sell and proactive intervention signals
Powered by the Underwriting Agent
Enriches profiles with AI-driven insights. Categorises transactions, identifies income, flags risks and surfaces opportunities whilst learning continuously.
Learn More About Our Agents