Buy Now Pay Later Insights suite.
Our Buy Now Pay Later insight suite enables accurate and instant verification and assessment of an applicant’s financial situation without many of the more detailed analytics used in higher risk credit products.
This configuration includes recognition of multiple income streams, full behavioural analysis of both fixed and variable expense trends as well as a rolling monthly surplus (serviceability) score.
Additional insights include our full responsible lending module with identification and conditional mapping of a variety of transaction groups including undisclosed liabilities, pay day loans, other BNPL accounts and gambling.
Sample Income Insights
Multiple verified income sources with full trend and pattern analysis
Non regular income analysis
‘Time since last’ Insight across all income and credit groups
Stability, frequency and reliability of all credit sources
Sample Expense Insights
Undisclosed liabilities and other accounts
Responsible lending red flags with conditional filters
Time based Net Monthly Position / serviceability and affordability
Irregular ‘one off’ payments across all expense areas