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.

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.