Net Disposable Income: Determine the amount available for savings or additional spending after expenses.
Affordability Threshold: Ensure clients can manage monthly expenses without financial strain.
Debt-to-Income Ratio: Quickly gauge borrowing capacity with real-time debt-to-income calculations.
Cash Flow Analysis: Instantly assess clients liquidity to make informed credit decisions.
Income Stability: Detect income volatility early to safeguard lending decisions.
Expense Breakdown: Identify potential savings with detailed spending categorisations.
Negative Net Disposable Income: Identify periods of financial stress when expenses exceed income.
Recent Shocks: Assess the impact of recent financial shocks on income stability.
Cash Withdrawals: Track liquidity needs and spending behaviors.
