Putting the individual at the heart of affordability



Assessing an individual’s ability to afford a product or service, both at the point of application and throughout their relationship with you has always been important, but now with our fast-changing environment, it has become even more crucial to protect both the consumer and your business.

With our affordability solutions, we make sure you can treat every customer as an individual; helping them meet their needs and goals by better understanding their individual circumstances.

An affordability assessment to suit your business and your customers

With real-time, automatic categorisation of your transaction data and verification of income, you’re able to gain valuable insights into the financial wellbeing of your clients and prospects. You can better understand a customer’s income, expenditure and credit behaviour. You can streamline your lending processes, whilst ensuring the service provided is proportional to what a customer can afford. as well as streamline your lending processes.

Categorise transactions

Verify income and expenses

Identify transactions of concern

Benefits at a glance


Improve the customer experience

Improve the customer experience by removing friction – making sure they complete their application with you rather than switch to a competitor.


Deliver personalised products and services

Deliver personalised solutions to meet their changing expectations and encourage repeat business.


Improve responsible lending

Increase revenue by being able to help more people / offer more services responsibly.


Better focus your resources

Focus your time and efforts on the most profitable customers, e.g. those with low risk but high demand for your product or service.


Market leading data

An unrivalled comprehensive dataset of over 96 million transactions linked to a database of 1 million merchants.


API driven

API driven so the solution can be seamlessly integrated with your existing digital applications.

Interested in testing our technology?

Our Developer Portal contains everything you need to get started

I'd like to learn more

I'd like to get started

I'm already an existing user

Would you like more information?

Please complete the form below and a member of our team will be in touch shortly.

I would like to receive the latest business insights from Experian

This form is for business enquiries only. If you are a consumer and have a transaction enquiry, you can view further information here. If you are a merchant and have feedback on Experian Look Who's Charging's data, please submit a merchant enquiry.

By providing your personal information you agree that we may collect and process it in accordance with our Privacy Statement.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.