Product

Affordability Flex Check

Proportionate affordability assessments for a low-friction consumer journey.
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Product Overview

Designed specifically for the BNPL sector, our proportionate affordability assessments utilise a wealth of data and insights in a risk-tiered framework, enabling you to adjust the intensity of affordability checks.

Decisions are automated, help support FCA expectations and the customer experience isn't compromised, so you can approve more of the right customers with confidence.

Built for BNPL

Affordability Flex Check enables you to adjust the intensity of financial checks based on the specific risk profile of the borrower and the size of the transaction.

Using a unique combination of deep UK bureau coverage, behavioural analytics, and proprietary affordability metrics such as indebtedness scores and affordability indexes, we enable a richer view of real-world affordability, that can be integrated directly into your existing originations or account management systems.

Deep UK Bureau Coverage and Behavioural Data

All provided and integrated from one supplier.

Granular Financial Insight

For a more accurate picture of a customer's ability to pay.

Prevent Consumer Indebtedness

By integrating our unique affordability data
into your decisioning.

Improve the Customer Journey

Through a tiered approach, applying light-touch frictionless checks for low-risk buys.

Reduce Default Rates

Be supported to identify at-risk individuals before they over-extend.

Designed Specifically for BNPL

Proprietary affordability metrics tailored uniquely to your needs.

Be Supported to Meet Regulations

With proportionate affordability checks based on transaction size and risk profile.

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Contact us to discover how we can help you approve more of the right customers responsibly

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Equifax uniquely combines deep bureau data with innovative behavioural analytics to support your business to succeed. 

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