Services
Consulting
Data science, design and build, and business advisory from the team behind the Slick Automated Lending Platform (ALP). Discover how we can help.
Data science
Get real value from your data.
Use our data assets to understand your credit risks, build a data strategy, and learn how to share data with other lenders and credit reference agencies for mutual benefit.
With our combined data assets and data science skills, we build affordability and credit risk models for deployment on your systems.
Design & build
Complete solutions, built around you.
We bring together all our services and technology to create complete solutions for our customers, from lending platforms to credit risk solutions, drawing on our extensive data sources to optimise them.
We work with partners such as AWS, IBM and Salesforce to implement sector-leading business systems.
Business advisory
Compliant journeys, by design.
Open banking and credit referencing are regulated services. We have in-depth knowledge of the Consumer Credit Act and the Payment Services Regulations.
All our solutions and services comply with regulation, and we provide advice and guidance on how to build compliant consumer journeys.
Our solutions
Explore our solutions.
The data, scoring and lending tools our consultants use every day.
Affordability
Our DataFlex service categorises transaction data into actionable insights, such as affordability assessments and income and expenditure profiles. Using machine learning, we have categorised millions of payment transactions and built a large generative AI model to provide real-time insights into a consumer’s behaviour.
Credit checking
Our Affordwise credit scoring solution is unique because it is entirely focused on subprime. Affordwise calculates scores based on the consumer’s actual, more recent financial activity, so the consumer gets a fair chance to obtain credit and lenders get a better assessment of their ability to repay.
Income maximisation
DataFlex can identify in seconds how your customer could increase their income, through an automated analysis of benefits paid. We scan the customer’s bank transactions and recommend the benefits they could claim, based on their income and expenditure profile.
Loan origination
By automating key steps and providing real-time analytics, we help lenders make faster, more informed decisions while giving borrowers a smoother, more transparent experience. Our Slick platform improves efficiency, supports compliance and reduces risk, from application to funding.
Vulnerability
Using data analytics, artificial intelligence and advanced financial modelling, we identify risks and provide actionable insights that help people and organisations make informed decisions, building a deeper understanding of financial challenges and stronger financial resilience.
AI & ML
Our affordability and credit scoring services use machine learning and generative AI to reach better decisions, faster. Our scoring outcomes are explainable to you, your customers and the regulator, helping you meet your Consumer Duty obligations.
Talk to us to find out what Hope Macy can do for you.
Learn how partnering with Hope Macy helps your business make smarter credit decisions and deliver better outcomes for your customers.