Debt servicing · Personal statements, any bank
Set an arrangement the customer can actually keep
An affordable arrangement holds. An optimistic one breaks in month three and costs more than it recovered. ExactSum reads the customer's own statements and produces a disposable-income picture you can evidence.
What comes back on every case
- 01 All income identified, including irregular, benefit and third-party payments
- 02 Priority and non-priority outgoings separated
- 03 Disposable income after essential expenditure, month by month
- 04 A summary shaped for the Standard Financial Statement, with the evidence attached
99.4%
extraction accuracy, measured against manual review
12 months
of income and outgoings read in one pass, so a bad month is visible as a bad month
Zero
data retention — Cyber Essentials certified
01 / The file
Why a self-reported budget rarely holds
Customers under pressure under-report outgoings and over-report income — not dishonestly, but from memory, on a phone call, under stress. The statement does neither.
01
Income that varies week to week
02
Outgoings the customer forgot
03
Other creditors already taking payments
04
High-cost credit and gambling activity
05
Vulnerability signals sitting in the spending
02 / What comes back
Income and expenditure, evidenced line by line
Every figure in the assessment traces back to a transaction, so an arrangement can be justified to the customer, to your file reviewer, and to a regulator.
Can they afford it?
Are they under stress?
Who are you actually lending to?
03 / Your policy
Your forbearance policy, applied consistently
Set your minimum surplus, essential-expenditure floors and vulnerability triggers once. Every case is assessed on the same basis, and the rule that produced the outcome is recorded against the file.
自動承認
Surplus comfortably supports the proposed arrangement.
裏付けとなる証拠を添付したうえで、案件はそのまま次の段階へ進みます。
審査回付
Surplus is marginal, or a vulnerability signal is present.
該当したルールをハイライトしたうえで、引受担当者に回付されます。
否決
No affordable surplus — the case needs a different route, not an arrangement.
一貫した基準で否決され、監査用に理由が記録されます。
Every outcome links back to the transactions that produced it.
04 / What changes
What changes when the statement does the work
Arrangements that survive
A payment set against evidenced surplus is one the customer can keep, so the case stops coming back into collections.
A defensible file
Every figure links to the transaction behind it, so the affordability assessment stands up in a file review long after the call ended.
Vulnerability seen sooner
Gambling activity, high-cost credit and benefit dependency are surfaced from the spending rather than relying on disclosure.
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