CASTSCORE®
Real-time view of affordability
Predict your customers’ future payment performance based on real-time transaction data. Castlight has developed the first open-banking affordability score. CastScore empowers lenders to understand a customer’s true ability to repay credit. And it also enfranchises customers with thin credit history, who are normally excluded from access to credit.
CAAS®
Make sense of data
Maximise the value of your customer data and enhance your decision making processes. Our sophisticated CaaS® technology can take raw transactional data and split it across 180 core categories of discretionary and non-discretionary spending. The process, which can be completed within minutes, will provide you with comprehensive insight into potential customers’ spending behaviour, allowing you to make more robust, more informed and therefore better underwriting decisions.
AFFORDABILITY PASSPORT®
Know what your customers can afford
How can you be sure your customer can afford the financial product they want? Most financial retailers have to depend primarily on credit ratings which can only tell part of the customer’s story. But imagine if you could shine a spotlight right into a customer’s bank account – and analyse not just their income but, much more importantly, exactly how they spend it.
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ABOUT
Who are Castlight?
Castlight are an innovative financial technology company with a successful track history of providing financial retailers with a range of digital tools to enhance the way they do business with their customers.
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