Clarity

Where it matters most

Built to support FCA expectations around credit and affordability risk assessments, AffordAbility provides robust, insight-driven expenditure modelling that goes beyond self-declared customer information. By reflecting real-world, non-discretionary costs and individual circumstances, organisations can assess affordability with confidence – both at the point of decision and over the lifetime of the agreement.

Key benefits :

• Insight-led affordability assessments based on statistically robust, modelled data, aligned with the target customer demographic
• Responsible decision-making, supporting Consumer Duty and the fair treatment of customers
• Transparent, defendable outcomes that stand up to regulatory scrutiny
• Reduced friction within customer journeys, enabling timely and better-informed lending decisions
• Improved financial inclusion, allowing marginal customers to be assessed more fairly, on realistic, representative data

AffordAbility is highly configurable, integrates seamlessly with existing systems and is regularly refreshed to reflect current cost-of-living realities – helping organisations lend with integrity while supporting sustainable growth and delivering positive customer outcomes.

If you’d like to see whether AffordAbility is right for your organisation, contact us for a comprehensive proof of concept – free of charge.

With vulnerability affecting a significant proportion of the UK’s adult population, and Consumer Duty placing greater emphasis on customer outcomes, VulnerAbility helps organisations move beyond assumption and relying on self-disclosure to a more consistent, evidence-based approach.

Our product highlights potential vulnerabilities across key drivers such as life events, resilience and capability, allowing organisations to respond with appropriate care, communications and support.

Key benefits

• Earlier and more consistent identification of potential vulnerability, including changes over time
• More responsible customer engagement, tailored to individual needs and circumstances
• Stronger customer relationships built on trust and integrity, reducing customer harm and complaints
• Demonstrable commitment to Consumer Duty, embedded into day-to-day decision-making
• Deeper insight beyond traditional data sources, uncovering hidden or emerging risks

Fully customisable and available via batch or API, VulnerAbility supports organisations in delivering meaningful and empathetic customer support whilst maintaining regulatory confidence.

Contact us for a comprehensive proof of concept – free of charge – to see how VulnerAbility can help your organisation.

Drawing on a targeted subset of the data within VulnerAbility, CredAbility enables organisations to identify customers who may be experiencing financial stress and to take proportionate, informed action.

Key benefits :

• Clear, actionable insight into financial vulnerability, supporting fair lending decisions
• Improved management of credit and affordability risk, grounded in evidence
• Earlier intervention, and tailored support, helping prevent customer detriment
• Supports responsible growth, balancing risk, inclusion and customer outcomes

CredAbility helps organisations act with integrity – using insight to support customers while managing risk appropriately.

If you’d like to assess how CredAbility can help your organisation, contact us for a comprehensive, free of charge, proof of concept.

One of DutifulData’s key strengths is ‘joining the dots’ – understanding the needs of our clients and linking them to practical support. ConnectAbility introduces a carefully curated network of partners whose services are aligned to our values, and are committed to improving customer outcomes and conducting business responsibly.

Key benefits :

• Transforms insight into action, ensuring customers receive meaningful support, and staff are appropriately trained
• Supports responsible customer journeys, beyond data and decisioning alone, ensuring vulnerable customers are identified and treated fairly and with care
• Access to trusted partners, selected with care and integrity
• Improves outcomes for customers and organisations alike, strengthening long-term relationships
• Potential cost benefit from leveraging DutifulData’s relationships with partners

ConnectAbility enables our clients to better support their customers by connecting them with our partner organisations to deliver practical, outcome-focused solutions.

Please contact us to talk through how our partner relationships could add real value to your business.

Built to support FCA expectations around credit and affordability risk assessments, AffordAbility provides robust, insight-driven expenditure modelling that goes beyond self-declared customer information. By reflecting real-world, non-discretionary costs and individual circumstances, organisations can assess affordability with confidence – both at the point of decision and over the lifetime of the agreement.

Key benefits :

• Insight-led affordability assessments based on statistically robust, modelled data, aligned with the target customer demographic
• Responsible decision-making, supporting Consumer Duty and the fair treatment of customers
• Transparent, defendable outcomes that stand up to regulatory scrutiny
• Reduced friction within customer journeys, enabling timely and better-informed lending decisions
• Improved financial inclusion, allowing marginal customers to be assessed more fairly, on realistic, representative data

AffordAbility is highly configurable, integrates seamlessly with existing systems and is regularly refreshed to reflect current cost-of-living realities – helping organisations lend with integrity while supporting sustainable growth and delivering positive customer outcomes.

If you’d like to see whether AffordAbility is right for your organisation, contact us for a comprehensive proof of concept – free of charge.

With vulnerability affecting a significant proportion of the UK’s adult population, and Consumer Duty placing greater emphasis on customer outcomes, VulnerAbility helps organisations move beyond assumption and relying on self-disclosure to a more consistent, evidence-based approach.

Our product highlights potential vulnerabilities across key drivers such as life events, resilience and capability, allowing organisations to respond with appropriate care, communications and support.

Key benefits

• Earlier and more consistent identification of potential vulnerability, including changes over time
• More responsible customer engagement, tailored to individual needs and circumstances
• Stronger customer relationships built on trust and integrity, reducing customer harm and complaints
• Demonstrable commitment to Consumer Duty, embedded into day-to-day decision-making
• Deeper insight beyond traditional data sources, uncovering hidden or emerging risks

Fully customisable and available via batch or API, VulnerAbility supports organisations in delivering meaningful and empathetic customer support whilst maintaining regulatory confidence.

Contact us for a comprehensive proof of concept – free of charge – to see how VulnerAbility can help your organisation.

Drawing on a targeted subset of the data within VulnerAbility, CredAbility enables organisations to identify customers who may be experiencing financial stress and to take proportionate, informed action.

Key benefits :

• Clear, actionable insight into financial vulnerability, supporting fair lending decisions
• Improved management of credit and affordability risk, grounded in evidence
• Earlier intervention, and tailored support, helping prevent customer detriment
• Supports responsible growth, balancing risk, inclusion and customer outcomes

CredAbility helps organisations act with integrity – using insight to support customers while managing risk appropriately.

If you’d like to assess how CredAbility can help your organisation, contact us for a comprehensive, free of charge, proof of concept.

One of DutifulData’s key strengths is ‘joining the dots’ – understanding the needs of our clients and linking them to practical support. ConnectAbility introduces a carefully curated network of partners whose services are aligned to our values, and are committed to improving customer outcomes and conducting business responsibly.

Key benefits :

• Transforms insight into action, ensuring customers receive meaningful support, and staff are appropriately trained
• Supports responsible customer journeys, beyond data and decisioning alone, ensuring vulnerable customers are identified and treated fairly and with care
• Access to trusted partners, selected with care and integrity
• Improves outcomes for customers and organisations alike, strengthening long-term relationships
• Potential cost benefit from leveraging DutifulData’s relationships with partners

ConnectAbility enables our clients to better support their customers by connecting them with our partner organisations to deliver practical, outcome-focused solutions.

Please contact us to talk through how our partner relationships could add real value to your business.