Affordability Engine

Accurate, explainable affordability

Increase acceptances and lend to new customer segments with a personalised, explainable Affordability Engine.

Product benefits

Increase approval rates

Leverage personalised affordability estimations to capture a more precise picture of an applicant’s financial situations and increase lending revenue.

Sustainably grow your customer base

Increase accuracy, reduce the risk of overestimating expenditure and confidently expand your viable customer base.

Acquire untapped customer segments

Identify and lend to new customer segments that may have been overlooked due to traditional affordability assessment limitations.

Strengthen regulatory compliance

Support every lending decision with improved explainability on the data and logic used in affordability assessments.

Product features

Personalised affordability

Affordability Engine offers a suite of personalised metrics with configurable confidence intervals.

100% Coverage

Seamlessly integrates into your existing risk policies and application flow with no added friction.

Continuous model refinement

Benefit from consistent model updates offering the most accurate representation of the current economic environment.

Better manage complaints

Fully explainable offering enhanced transparency for customers, auditors, and regulators

Walk through API components

The affordability endpoint allows you to retrieve a personalised estimate of a consumers income and expenditure

request

Send application form, product and credit data to personalise estimation

income components

Modelled gross and net incomes accompanied by income risk probability

expenditure components

Comprehensive breakdown of essential monthly living expenses

confidence intervals

Configurable confidence intervals for each component

summary metrics

Assess the probability of an applicant’s ability to repay

Request | Affordability

{
"dob": "1994-01-21",
"address": {
"buildingNumber": "5",
"line1": "5 Moorside View",
"line2": "Station Street",
"city": "Glossop",
"countryCode": "GB",
"postalCode": "SK13 8BD"
},
"income": {
"disposableGross": 888.38,
"disposableGrossLowerBound": 772.78,
"disposableGrossLowerBound": 1003.97,
"totalGross": 2800.0,
"totalGrossLowerBound": 2800.0,
"totalGrossLowerBound": 2800.0,
"totalNet": 2309.3,
"totalNetLowerBound": 2309.3,
"totalNetUpperBound": 2309.3,
"disposableNet": 397.68,
"disposableNetLowerBound": 282.08,
"disposableNetUpperBound": 513.27,
"inflatedProbability": 0.477
},
"expenditure": {
"nonDiscretionary": 1911.62,
"nonDiscretionaryLowerBound": 1796.03,
"nonDiscretionaryUpperBound": 2027.22,
"debtServicing": 430.0,
"components": {
"foodAndBeverages": 202.22,
"foodAndBeveragesLowerBound": 147.32,
"foodAndBeveragesUpperBound": 257.11,
"billsAndUtilities": 195.38,
"billsAndUtilitiesLowerBound": 127.12,
"billsAndUtilitiesUpperBound": 263.65,
"transport": 86.53,
"transportLowerBound": 25.78,
"transportUpperBound": 147.28,
"rentAndMortgage": 950.0,
"rentAndMortgageLowerBound": 950.0,
"rentAndMortgageUpperBound": 950.0,
"childcare": 12.22,
"childcareLowerBound": 0.0,
"childcareUpperBound": 29.32,
"clothingAndFootwear": 7.12,
"clothingAndFootwearLowerBound": 0.0,
"clothingAndFootwearUpperBound": 16.54,
"health": 8.86,
"healthLowerBound": 0.0,
"healthUpperBound": 46.64,
"miscellaneous": 19.3,
"miscellaneousLowerBound": 5.55,
"miscellaneousUpperBound": 33.04
}
},
"affordableRepaymentProbability": 0.8056
}

“Infact's Affordability Engine has improved our expenditure assessments beyond what we could achieve with ONS, which has delivered a material increase in acceptances while reducing referrals, all while keeping application friction low”

James Wilkinson

Head of lending, Fair For You

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