Consumer lending · Personal statements, any bank
Affordability you can evidence, not infer
A bureau score says how somebody has behaved. The statement says what they can afford next month. ExactSum categorises a full year of personal banking and returns an affordability assessment with the evidence attached.
What comes back on every application
- 01 Salary, benefits and irregular income identified separately
- 02 Committed outgoings and existing credit sized from the statement
- 03 Stress signals — gambling, returned items, persistent overdraft use
- 04 A policy decision with the transactions that produced it attached
50
applications processed in five minutes
99.4%
extraction accuracy, measured against manual review
Zero
data retention — Cyber Essentials certified
01 / The file
The applicants a scorecard cannot price
Most consumer applications are decided automatically. The losses come from the minority the model has no view on — and those are the files that need reading properly.
01
Income that isn't a monthly payslip
02
Credit that never reached the bureau
03
Persistent overdraft use as normal life
04
Applicants who won't connect Open Banking
05
Statements from banks no API reaches
02 / What comes back
What the account says about the next twelve payments
Income identified by type, commitments sized from the outgoings, and the conduct signals that separate a thin file from a stretched one.
Can they afford it?
Are they under stress?
Who are you actually lending to?
03 / Your policy
Your affordability rules, applied to every application
Set your income requirements, disposable-income floor, tolerance for gambling and returned items, and your hard declines once. Every applicant is measured the same way, and the reasoning is recorded.
Auto-Approve
Income, commitments and conduct all sit inside policy.
La pratica prosegue direttamente, con le evidenze a supporto allegate.
Refer
Income is irregular, or a conduct signal needs a human view.
Inoltrata a un analista con le regole attivate in evidenza.
Decline
A hard rule failed — disposable income below floor, or conduct outside appetite.
Rifiutata in modo coerente, con la motivazione registrata a fini di audit.
Every outcome links back to the transactions that produced it.
Scoprite come funziona il Decision Engine →04 / What changes
What changes when the statement does the work
Consistency at volume
The same affordability test applied identically to every applicant, whether the file arrives at nine in the morning or at the end of a long day.
Evidence, not estimates
Declared income and expenditure are checked against what the account actually did, so the assessment rests on transactions rather than on a form.
Fewer good customers declined
Applicants with real but irregular income stop failing a test built for monthly payslips, because the pattern is read rather than averaged away.
05 / Coverage
Works when Open Banking doesn't
No consent, no integration. If the applicant can produce a statement, ExactSum can read it.
Any document
The bank's PDF, a scan, or a phone photo — all read the same way.
Twelve months, not ninety days
A full year of history where Open Banking shows a quarter.
Accounts APIs can't reach
Foreign accounts, business accounts, legacy banks, and applicants who decline to connect.
Also
Send us five applications you've already decided
We'll show you the affordability assessment ExactSum returns for each one, and where it agrees or disagrees with your decision.