Moneyhub connect with thousands of financial institutions to provide coverage for 99% of single / joint applications

1. Complete Coverage = More accurate assessments (no gaps)

2. Consumer Driven Innovation – Personal Finance App users demand updates to include the very latest products and services

Moneyhub identify missing accounts, assets and/or liabilities so you get a complete picture of your applicant's financial world

Why it matters?

1. Stop applications being submitted with incomplete info (avoid manual intervention)

2. Ensure applicants cannot hide spending behaviours through alternative accounts

3. Deliver a robust application that makes sure comprehensive assessment is made for each customer

Scale, experience & methodology underpins Moneyhub's ability to accurately categorise transactions using our vast no. of connections & 10 years worth of consumer feedback and AI/Machine Learning categorisation

1. No other provider in the market has access to crowdsourced feedback on categorization alongside 10+ years of AI/ML enrichment

2. Our coverage of connections ensures we capture the widest breadth of experiences so we pick up the latest trends and activities

3. Co-founders of FDATA and the financial grade API known as the FAPI spec, the standard underpinning Open Banking in the UK, Europe, Japan, Australia, Canada and Brazil.

Cleansed & enhanced raw transaction data reveals insights into applicant finances like:

1. Calculated monthly income, committed (essential) and discretionary (non- essential) expenditure

2. Income and expenditure stability (consistency, longevity and regularity)

3. Total expenditure on all credit products

4. Risk indicators such as failed or returned DDs, an applicant’s total expenditure on gambling or exposure to high-cost credit products

5. Transfers between accounts are treated differently to actual transactions

Fast, efficient and cost-effective Affordability, Suitability, Eligibility & Vulnerability assessments

Enhanced CX

Improved Risk Assessment

Product Development

Cost Reduction

Financial Inclusion

Maintain Compliance

Increased Customer Engagement

Better Customer Outcomes