For accurate affordability decisions
Atto's affordability engine uses income verification and categorisation to quickly identify a customer's income, spend and non-discretionary spend.
More informed lending than ever before
Understand your customers' repayment potential in seconds with Atto's affordability insights.
Income verification
Atto's income verification tool presents an individual's income, reporting on confidence, reliability and the income streams.
Affordability
Get an affordability figure for each customer to assess how much they can afford to repay based
on their income and expenses.
Fixed vs flexible spend
Fixed costs, such as rent and credit card repayments, and flexible costs, such as retail and holidays, can be aligned to your risk appetite.
Accurate data
Open banking data comes directly from banks
and financial institutions. The data is real-time, categorised accurately and incorruptible.
SFS categorisation
We use the categories from the Standard Financial Statement to help you understand affordability while remaining compliant with the FCA standards.
Credit commitments
Identify your customer's total credit commitments using the affordability report to help identify potential over indebtedness.
Use transaction data from any source
If you already have a data set, or access open banking data, plug in to our affordability engine and we'll return the data you need to make confident decisions.
Atto insights
Understand how your customer’s spend, save and earn their money with real-time insights.
Browse our platform
Our platform
Atto's platform gives you all the tools you need to capture consent, access transaction data and view detailed insights on your customer's financial behaviours.
Better informed decisions across the credit risk lifecycle
Credit risk decisioning
Understand customer affordability and creditworthiness in real-time.
Risk modelling
Enhance predictive models with real-time open banking data for a significant uplift in performance.
