Ongoing monitoring

Detect early signs of financial distress and potential
default in real time with our ongoing monitoring solution.

How it works

Finexos can provide lenders with a Consumer Duty layer to protect borrowers who may be deemed at a higher risk of default. We have specifically designed this solution to support vulnerable or higher risk borrowers who are susceptible to changes in their financial capability due to micro and macroeconomic factors outside of their control. We empower the lender to provide an ‘always-on’ service, with automated detection of drops in income, excessive spending patterns, and credit defaults that are external to the lender’s business.

Key benefits

Finexos’ innovations provide clear benefits to the lender, borrower, and the wider ecosystem.

Benefit from real time assessment of loan book

By taking Open Banking data and other live data sources, our solution provides a real time view of a borrower’s financial situation.

Better Support and manage customers

Early detection of default and more accurately priced credit improve customer retention and boost Net Promoter Scores.

Price risk more effectively

Fully automated machine learning identifies key financial competencies and vulnerabilities, enabling the precise pricing of credit products.

Satisfy regulatory requirements

Fully prepare for Consumer Duty with our unbiased data intelligence metrics that place good borrower outcomes front and centre.

Our impact

Finexos was created with the dual goals of delivering financial inclusion and ending credit poverty. We know that, by equipping providers of credit with the tools to better price risk, we can be part of the solution that will unlock credit for the millions globally that are underserved or completely excluded from the credit market through no fault of their own.

Complimentary Loan Book Vulnerability Analysis

Step 1

Share your data through our secure vault

– Data accepted in heterogeneous formats
– No PII required
– ISO 27001 certified

Step 2

Loan book data assessed by FIOLA®

– Data QA process
– Transited to the FIOLA® risk engine
– Data screened through 300+ factors to identify risk

Step 3

See your results

– Vulnerability analysis
– Capital at risk
– Probability of default
– Summary & recommendations


Featured case study

FCA innovation Pathways

The FCA’s Innovation Pathways scheme is a service provided to assist technology providers in delivering innovative solutions to the UK financial services market. 

Finexos is now partnering with leading institutions and working with data from the FCA’s Digital Sandbox to produce a number of use cases for the Innovation Pathways team, with a view to ongoing testing through regulated sandboxes.

Frequently asked questions

If you can’t find what you’re looking for, feel free to reach out to our customer support team for further assistance.

I’m interested in an enterprise partnership or in reselling Finexos’ products. How do I contact you?

Please fill out our contact form and someone will be in touch.

How does Finexos’ approach differ from our competitors?

Unlike our competitors, we enable lenders to use data in real time from multiple sources to calculate the overall suitability of credit, based on a borrower’s financial capability and the affordability of the product. Our AI composites over 300 data points with behavioural analytics and forward-looking metrics to ensure that the lender has a clear view of the likelihood of repaypayment, thus significantly reducing the rate of default versus legacy decsioning metrics and those based on affordability alone.

What is the difference between affordability and capability?

Affordability is a measure of the ability of a borrower to meet the repayment terms of a credit product based on their cash position. Capability is a measure of how well a borrower manages their cash and credit on an ongoing basis, and how they prioritise expenditures.

Does Finexos provide financial transaction data?

No, Finexos is a data intelligence provider that analyses transactional data provided by our customers (providers of credit). Finexos is able to integrate with all Open Banking providers and accepts data in heterogeneous formats.

Does Finexos share personal borrower related data?

Finexos does not hold or store any PII data belonging to loan applicants. We have completely anonymised the process to negate the effects of unwanted bias.