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ACT

Automated monitoring. Personalised action.

Continuous monitoring interprets risk signals in real time. Automated workflows, vulnerability detection and Gen AI enable hyper-personalised engagement across SMS, email, WhatsApp, push and in-app.

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Continuous Monitoring

Real-time risk monitoring from data entry. Monitors borrowers beyond origination. Open Banking recalculates risk scores and behaviour patterns, triggering workflows on threshold breach.

  • 24/7 borrower monitoring engine
  • Real-time Open Banking integration
  • Instant alert triggering on threshold breach
Risk Alert CRITICAL

3× Reduced Payments in 6 Weeks

Payment pattern deviation: 75%

Risk Alert HIGH

Credit Utilisation +38%

Current utilisation: 82%

Vulnerability Flag

Income Shock Detected

DETECTED SIGNAL

Gambling spikes detected

Category: Gambling, Value: £385 this week

RECOMMENDED ACTION

Offer supportive engagement

Send payment holiday offer with wellbeing resources

FCA ALIGNED

Consumer Duty compliant

Vulnerability protocol triggered automatically

STATUS

Case flagged for specialist review

Vulnerability Detection

Automatic identification with tailored support. Detects income shock and missed payments. Adjusts tone, offers support options and flags cases. FCA Consumer Duty aligned.

  • Multi-signal vulnerability framework
  • Automated tone and support adjustment
  • FCA Consumer Duty compliance
  • Specialist review flagging

Whitelabel Member Hub

Branded self-service portal for payments and statements. View balances, make payments, request holidays and update details. Responsive and embeddable. Reduces support and improves satisfaction.

  • Fully branded portal
  • Mobile-responsive design
  • Embeddable iframe support
  • Reduced support volume

Your Lender Co. Member Portal

Account Balance

£8,432.50

of £15,000 credit limit

Email Message (Generated)

Hi Sarah, we noticed you've increased your spending recently. Here's a quick tip to help you stay on track.

Sent: Tuesday 2:15pm (optimal response time)

SMS Message (Generated)

Sarah, your payment is due soon. Reply HELP for options.

Sent: Thursday 9:30am (SMS channel optimal)

WhatsApp Message (Generated)

Hi Sarah 👋 Your recent activity shows you might benefit from a payment plan. Chat with us?

Sent: Monday 7:00pm (WhatsApp engagement peak)

Gen AI Personalisation

Hyper-personalised engagement across channels. Gen AI crafts messages based on risk profile and payment history. Sent at optimal moments via optimal channels for higher response rates.

  • Context-aware message generation
  • Multi-channel delivery optimisation
  • Time-of-day responsiveness analysis
  • Dramatically higher response rates

Engagement Agent

Every Engagement Agent action is data-driven and explainable. Proposes campaigns, adjusts tone based on vulnerability signals, optimises send times and learns to refine recommendations.

Proposes

Campaign strategies

Optimises

Send timing & channels

Learns From

Response patterns

Pay Performance