// Legal

Spend Insights

Forget messy spreadsheets or chasing pay slips. Transform raw transaction data into actionable insight, giving your team the confidence to act fast.

// Legal

Spend Insights

Forget messy spreadsheets or chasing pay slips. Transform raw transaction data into actionable insight, giving your team the confidence to act fast.

Get insights in seconds

Spend Insights gives you a clear, detailed breakdown of a customer’s financial health using real-time open banking data. It categorises income, outgoing payments, and discretionary spending to help you assess affordability, identify financial stress, and support better decisions, whether you're working in claims, finance, or legal services.

Forget messy spreadsheets or chasing pay slips. This tool transforms raw transaction data into actionable insight, giving your team the confidence to act fast and with full context.

How it works

After a customer connects their bank account through secure open banking, Spend Insights fetches and analyses their transaction data over a defined period, usually 90 to 180 days. The system categorises every line item using machine learning and business rules to sort it into clear buckets like income, benefits, gambling, loan repayments, and general spending.

It also calculates disposable income, identifies risky behaviours, and highlights where affordability might be a concern. Here’s an example of the structured output:


{
  "total_income": 2480.00,
  "committed_expenditure": 1375.00,
  "disposable_income": 1105.00,
  "risk_flags": ["high_gambling", "overdraft_dependence"],
  "income_sources": ["employment", "benefits"],
  "timestamp": "2025-04-14T12:03:00Z"


This gives you a fast, reliable overview of how a customer earns and spends—without needing to interpret hundreds of transactions manually.

Confident affordability assessments

Spend Insights removes the guesswork from financial analysis. It helps teams working in claims, lending, and compliance quickly understand whether a product was affordable, whether compensation may be due, or whether a customer meets key criteria.

It’s especially powerful for regulated businesses that need to assess vulnerability, credit exposure, or responsible lending practices. With fully transparent categorisation and easy-to-read outputs, it gives you clarity, compliance, and confidence in your decision-making process.

And because it uses open banking, the data is real—not self-reported or estimated—making it far more reliable.

Why financial insights matter

Understanding financial behaviour is critical when making decisions about credit, claims, redress, or risk. But traditional checks are often surface-level and static. Spend Insights gives you a deeper view into day-to-day spending, cash flow, and financial stress indicators.

This helps you treat customers fairly, spot potential issues early, and build stronger cases or more personalised services. It also speeds up your workflow by removing the need for manual analysis or back-and-forth with customers.

Get started

Start seeing the full financial picture in just minutes. Spend Insights helps you make better decisions, faster—powered by open banking. Compare packages or request a demo to see how it fits into your financial assessment toolkit.

Get insights in seconds

Spend Insights gives you a clear, detailed breakdown of a customer’s financial health using real-time open banking data. It categorises income, outgoing payments, and discretionary spending to help you assess affordability, identify financial stress, and support better decisions, whether you're working in claims, finance, or legal services.

Forget messy spreadsheets or chasing pay slips. This tool transforms raw transaction data into actionable insight, giving your team the confidence to act fast and with full context.

How it works

After a customer connects their bank account through secure open banking, Spend Insights fetches and analyses their transaction data over a defined period, usually 90 to 180 days. The system categorises every line item using machine learning and business rules to sort it into clear buckets like income, benefits, gambling, loan repayments, and general spending.

It also calculates disposable income, identifies risky behaviours, and highlights where affordability might be a concern. Here’s an example of the structured output:


{
  "total_income": 2480.00,
  "committed_expenditure": 1375.00,
  "disposable_income": 1105.00,
  "risk_flags": ["high_gambling", "overdraft_dependence"],
  "income_sources": ["employment", "benefits"],
  "timestamp": "2025-04-14T12:03:00Z"


This gives you a fast, reliable overview of how a customer earns and spends—without needing to interpret hundreds of transactions manually.

Confident affordability assessments

Spend Insights removes the guesswork from financial analysis. It helps teams working in claims, lending, and compliance quickly understand whether a product was affordable, whether compensation may be due, or whether a customer meets key criteria.

It’s especially powerful for regulated businesses that need to assess vulnerability, credit exposure, or responsible lending practices. With fully transparent categorisation and easy-to-read outputs, it gives you clarity, compliance, and confidence in your decision-making process.

And because it uses open banking, the data is real—not self-reported or estimated—making it far more reliable.

Why financial insights matter

Understanding financial behaviour is critical when making decisions about credit, claims, redress, or risk. But traditional checks are often surface-level and static. Spend Insights gives you a deeper view into day-to-day spending, cash flow, and financial stress indicators.

This helps you treat customers fairly, spot potential issues early, and build stronger cases or more personalised services. It also speeds up your workflow by removing the need for manual analysis or back-and-forth with customers.

Get started

Start seeing the full financial picture in just minutes. Spend Insights helps you make better decisions, faster—powered by open banking. Compare packages or request a demo to see how it fits into your financial assessment toolkit.

Get insights in seconds

Spend Insights gives you a clear, detailed breakdown of a customer’s financial health using real-time open banking data. It categorises income, outgoing payments, and discretionary spending to help you assess affordability, identify financial stress, and support better decisions, whether you're working in claims, finance, or legal services.

Forget messy spreadsheets or chasing pay slips. This tool transforms raw transaction data into actionable insight, giving your team the confidence to act fast and with full context.

How it works

After a customer connects their bank account through secure open banking, Spend Insights fetches and analyses their transaction data over a defined period, usually 90 to 180 days. The system categorises every line item using machine learning and business rules to sort it into clear buckets like income, benefits, gambling, loan repayments, and general spending.

It also calculates disposable income, identifies risky behaviours, and highlights where affordability might be a concern. Here’s an example of the structured output:


{
  "total_income": 2480.00,
  "committed_expenditure": 1375.00,
  "disposable_income": 1105.00,
  "risk_flags": ["high_gambling", "overdraft_dependence"],
  "income_sources": ["employment", "benefits"],
  "timestamp": "2025-04-14T12:03:00Z"


This gives you a fast, reliable overview of how a customer earns and spends—without needing to interpret hundreds of transactions manually.

Confident affordability assessments

Spend Insights removes the guesswork from financial analysis. It helps teams working in claims, lending, and compliance quickly understand whether a product was affordable, whether compensation may be due, or whether a customer meets key criteria.

It’s especially powerful for regulated businesses that need to assess vulnerability, credit exposure, or responsible lending practices. With fully transparent categorisation and easy-to-read outputs, it gives you clarity, compliance, and confidence in your decision-making process.

And because it uses open banking, the data is real—not self-reported or estimated—making it far more reliable.

Why financial insights matter

Understanding financial behaviour is critical when making decisions about credit, claims, redress, or risk. But traditional checks are often surface-level and static. Spend Insights gives you a deeper view into day-to-day spending, cash flow, and financial stress indicators.

This helps you treat customers fairly, spot potential issues early, and build stronger cases or more personalised services. It also speeds up your workflow by removing the need for manual analysis or back-and-forth with customers.

Get started

Start seeing the full financial picture in just minutes. Spend Insights helps you make better decisions, faster—powered by open banking. Compare packages or request a demo to see how it fits into your financial assessment toolkit.

// Get started

See what open banking can do for your business

Unlock smarter insights, streamline decision-making, and uncover new revenue opportunities.

// Get started

See what open banking can do for your business

Unlock smarter insights, streamline decision-making, and uncover new revenue opportunities.

// Get started

See what open banking can do for your business

Unlock smarter insights, streamline decision-making, and uncover new revenue opportunities.

// Get started

See what open banking can do for your business

Unlock smarter insights, streamline decision-making, and uncover new revenue opportunities.