Core Platform

Self Serve
Empower users to resolve debts independently.
Micro Journeys
Custom tailored flows for quick digital recovery.
Digital Comms
Automated, compliant, multi-channel outreach.

AI Solutions

AI Analytics
PREMIUM
Predictive modeling and recovery insights.
Conversational AI
PREMIUM
Smart virtual agents for automated negotiation.

Affordability Platform

Connect open banking, categorise transactions in real time, and produce accurate, SFS-aligned affordability assessments that post straight into your CRM. A single platform across the entire customer lifecycle.

50+

GBP 2B+

5M+

35%

Accurate Affordability, Powered by Data

Replace slow, error-prone manual assessments with verified, real-time financial data and intelligent automation.

Open Banking Connected

Securely link customer bank accounts via FCA-regulated open banking to pull real transaction data in seconds, no manual statements required.

Real-Time Categorisation

Transactions are automatically classified into income and expenditure categories in real time, giving an accurate, verified financial picture.

Auto-Posted to CRM

Completed income & expenditure assessments flow straight into your CRM or case management system, eliminating re-keying and errors.

Integrated Benefits Calculator

Integrate with leading benefits calculators to identify potential unclaimed entitlements and help maximise customer income during the assessment.

Standardised & Compliant

Assessments align with the Standard Financial Statement (SFS), supporting consistent, fair, and compliant affordability outcomes.

Affordability Insights

Surface disposable income, sustainable payment levels, and vulnerability indicators to drive fair, affordable arrangements.

Agent-Led or Fully Self-Service

Deliver income & expenditure your way, with the same accurate engine behind both experiences.

AGENT-ASSISTED

Agent-Led I&E

Equip your agents to support customers through an Income & Expenditure assessment.

CUSTOMER-LED

Self-Service I&E

Let customers complete their own affordability assessment online, at their own pace, through our white-label platform.

One Platform, the Entire Customer Lifecycle

From responsible lending at onboarding through to legal recoveries, use a single affordability engine at every stage.

01

Onboarding & Credit Risk

Assess affordability at the point of acquisition to lend responsibly and set sustainable terms from day one.

02

In-Life Checks

Run periodic affordability reviews during the life of the account to spot financial difficulty early.

03

Collections & Recoveries

Build fair, affordable repayment arrangements based on verified disposable income, not guesswork.

04

Litigation & Legal Recoveries

Support LBA processes and pre-action protocols with robust, documented affordability evidence.

Make Every Assessment Fair, Fast & Verified

See how open banking-powered affordability transforms outcomes across your customer lifecycle.

Collections, Made Digital

Redefining customer-centric Collections & Recoveries solutions, driven by digital innovation.

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By submitting this form, you agree to receive promotional messages from DebtStream about its products and services (as per our terms and conditions and privacy policy). You can unsubscribe at any time by clicking on the link at the bottom of our emails.

Collections, Made Digital

Redefining customer-centric Collections & Recoveries solutions, driven by digital innovation.

By submitting this form, you agree to hear from DebtStream about our products and services (as per our terms and conditions and privacy policy).  You can unsubscribe at any time.

Read our case study

By submitting this form, you agree to receive promotional messages from DebtStream about its products and services (as per our terms and conditions and privacy policy). You can unsubscribe at any time by clicking on the link at the bottom of our emails.