Affordability
by Atto · Open banking and CDR · Edinburgh, United Kingdom
Repayment capacity from enriched transactions
What Affordability does
- SFS categorisation
- Fixed vs flexible spend
- Credit commitments
What Affordability is used for
- Assess how much customers can repay
- Identify customer income, spend and non-discretionary spend
- Identify total customer credit commitments
- Align fixed and flexible spend to risk appetite
About Atto
Open banking data and predictive models for affordability, income verification and collections decisions in lending.
Atto in the vendor registry: its products, features and similar vendors.
Also by Atto
- Connect: Widget for consented bank data sharing
- Data APIs: Transaction and account data access
- Income Verification: Verification of multiple income streams
- Emerging Financial Distress: Early warning of default risk
- SME Financial Health: Small business account trend analysis
More in this category: Open banking and CDR software.
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