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Personalization and financial wellbeing

 

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Insight exploration and marketing

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Creditworthiness and risk

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Drive informed lending conversations

Accelerate informed lending conversations with data-driven insights and data visualization to more accurately review lending applications and provide fairer outcomes.

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Ways to help your underwriters

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Quickly understand a customers income

By providing a view of a customer's income stability and regularity at an income source level, underwriters can easily interpret and understand income patterns, which is particularly beneficial for customers with irregular, or multiple sources of income such as contractors and gig workers.

Identify and mitigate risk with smart flags

Providing quick insights into risky spending patterns

Draw your underwriters attention to risky spending patterns such as gambling or debt collection repayments without the need to search through messy transactional data.

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Automate data collection and analysis

Underwriters can spend hours trawling through bank statements to get an understanding of a customer's situation, and grouping them into essential spending and non-essential spending to build a picture of a customers net discretionary income. This process is prone to error. Automating this allows underwriters to make quicker and more accurate credit assessments.

Ways to help your customers

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Fairer outcomes for your customers

Understand your customers and treat them more fairly based on your deep understanding of their financial situation.

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Quicker lending decisions

Drive quicker lending decisions for your customers with AI-powered insights, intuitive dashboards and data-driven customer overviews.

Benefits to you and your business

  • Improve customer experience

    Provide your customers with lending that is fair, affordable and backed up by accurate underlying data.

  • Increase accuracy and approval rates

    Use customer transaction data via open banking to provide a complete picture of your customers' financial profile.

  • Enhance productivity and reduce costs

    Streamline the underwriting process by automating data collection and analysis to reduce operational costs without compromising on quality - freeing up time for high-value customer conversations.

2024 Benefits for you and your customers Use Case 120438
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