Income verification
Identify salary and other recurring inflow patterns from permissioned account activity.
Permissioned decision context
Make the lending decision with a clearer financial picture.
Use consented account information, income patterns, commitments, and transaction context to support faster and more informed credit journeys.
Better inputs
A current view of income, expenditure, recurring commitments, liquidity, and account behaviour can reduce friction while improving the context available to underwriting.
Core capabilities
Built around the outcome, not a catalogue of disconnected features.
Each capability can stand alone, but the value compounds when data, consent, intelligence, and action stay connected.
Commitment visibility
Surface recurring obligations, repayments, and relevant expenditure behaviour.
Affordability context
Assemble explainable signals for institution owned affordability rules.
Application acceleration
Reduce manual document collection where permissioned data can provide the required evidence.
SME cash evidence
Use account and cash flow context to strengthen business lending journeys.
Ongoing monitoring
Support approved post origination insights without exceeding the customer’s consent.
From intent to operation
A controlled journey from first question to live capability.
Open Finance works when product, technology, compliance, operations, and the customer journey move through the same programme.
Request
Explain the purpose and required information.
Connect
Collect scoped permissioned data.
Interpret
Normalize and apply transparent signals.
Decide
Feed institution owned underwriting and customer communication.
Experience layer
Explainable inputs, accountable decisions
Open Finance should improve the evidence available to a lending decision without turning the decision into a black box.
Operating model
Credit and Affordability
- 01Income and cash flow patterns
- 02Recurring commitments
- 03Explainable enrichment
- 04Institution owned decision rules
A transparent view of the capabilities involved. This is an operating model, not a product screenshot.
Reduce friction without reducing accountability.
Explore how permissioned data can strengthen the credit journey you already own.