Affordability Engine
Accurate, explainable affordability
Increase acceptances and lend to new customer segments with a personalised, explainable Affordability Engine.
Product benefits
Leverage personalised affordability estimations to capture a more precise picture of an applicant’s financial situations and increase lending revenue.
Increase accuracy, reduce the risk of overestimating expenditure and confidently expand your viable customer base.
Identify and lend to new customer segments that may have been overlooked due to traditional affordability assessment limitations.
Support every lending decision with improved explainability on the data and logic used in affordability assessments.
Product features
Affordability Engine offers a suite of personalised metrics with configurable confidence intervals.
Seamlessly integrates into your existing risk policies and application flow with no added friction.
Benefit from consistent model updates offering the most accurate representation of the current economic environment.
Fully explainable offering enhanced transparency for customers, auditors, and regulators
“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”
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