Open banking turns a customer's real spending into an affordability picture: committed costs, discretionary spend and month-end balances, consolidated into a clear surplus figure.
Open banking reads actual spending, so affordability is based on how someone really lives, not a form they filled in.
Rent, bills, subscriptions and existing credit, detected automatically.
Day-to-day spending separated from fixed costs.
Loan and card payments already going out each month.
Whether they end the month in credit or overdrawn.
A clear figure for what is genuinely left over.
Whether things are getting tighter or easier.
We turn months of transactions into one affordability answer you can act on.
Your customer links their bank, read-only and consented.
We categorise committed and discretionary spend across accounts.
You get a surplus figure and the breakdown behind it.
Affordability from real bank data supports fair, evidence-based decisions and a clear audit trail.
Every figure traces back to real transactions.
The same method for every applicant, no guesswork.
Minutes, not days of reading PDFs.
Thin-file and non-standard incomes get a real assessment.
Book a demo and we will build a surplus figure from a live connection against your cases.
Book a demo