Regulated
Regulated Embedded Finance
To deliver safe consumer journeys we are fully regulated as an authorised payments institute and consumer credit firm.
Our regulated APIs are authorised by the FCA
- Use stand alone or integrated into Slick
- High performance and secure
- Hosted in the UK
- Complies with version 4 of open banking
We are authorised by the FCA under the payment service regulations and consumer credit act to carry out the following regulated activities:
AISP: Open Banking Data and Categorisation
Access to a consumer’s bank account information and the authority to provide this with consent to a third party
PISP: Pay by Bank
Permission to initiate a payment from or to a consumer from another party.
CRA: Credit Scoring
Permission to create and distribute a consumer credit score for the purpose of obtaining credit or debt advice.
CISP: Credit Information Services
Authority to access third party credit reference information and use this to determine the financial standing of a customer.
Credit Risk Analysis
Affordwise
Affordwise credit scores offer a highly effective method for assessing credit risk in the rapidly expanding subprime sector, which now encompasses around 30% of consumers. These scores are derived from the most up-to-date financial activity, ensuring a clear and precise representation of a consumer’s current credit status.
Affordwise provides a fair, consistent, and predictive score that empowers consumers to better understand their credit potential and take steps to improve their financial situation. At the same time, businesses gain the insights needed to make more informed, optimal decisions.
Credit Scoring
FCA Regulated
Vulnerability
Data Driven
Why Affordwise?
Unlike many credit reference agencies, we do not retain your consumer’s information on file. This reduces the possibility of data theft and mis-selling. To create a credit score, we instead use technology to access your consumer’s latest financial banking information and use advanced analytics and a training dataset, with over one billion records provided by subprime lenders and debt management firms, to determine creditworthiness.
Our Scores
Our credit scores are designed for the subprime market, offering fair, up-to-date evaluations of credit status. They provide valuable insights into default risk, helping both lenders and borrowers make informed financial decisions.
A Focus on Quality
Unlike the big three, our credit scores are highly targeted and efficient. We avoid building massive consumer data vaults, which keeps our costs low and our service sharp—allowing you to score every consumer without stretching your budget.
Regulated
We are a regulated consumer credit reference agency. This means that we are permitted by the FCA to provide you an assessment about your consumer’s credit worthiness.
Here to Share
Some lenders need loan data to be shared with other credit reference agencies. As a fully regulated CRA, we’re able to securely share your consumer credit information with others—only when you choose to do so.
Open Banking Data and More
DataFlex
DataFlex is the next generation Open Banking API that provides more than just banking transactions. It incorporates in-line analytics, statistics and categorisation all within an easy-to-implement API.
By providing sub-second categorization of transactions, DataFlex offers valuable insights into income and expenses, supporting debt advice and lending decisions. It can also identify social benefit income and automatically assess eligibility for benefits.
Benefit Detection
Open Banking Transactions
Income & Expenditure Insights
Categorisation
Why DataFlex?
DataFlex provides seamless access to Account Information Services (AIS), enabling secure, real-time retrieval of consumers’ financial data from multiple bank accounts. You can access key information such as account balances, transaction amounts, and dates. We can also provide a list of supported banks and accounts upon request. Whether you require full open banking data or a tailored subset, the API allows you to customise your data needs and set retention periods that align with your specific use case.
Easy to Implement
We provide an integration layer to enable developers to quickly incorporate the API into existing operational systems, making the integration process seamless and efficient.
Multiple Languages
Developers can use any language to call the API, including popular options like Python, C++, and Java, ensuring flexibility and ease of use across various platforms.
In-depth Insight
Our service offers comprehensive statistical insights, including detailed income and expenditure analysis across multiple bank accounts, giving a clear financial overview.
Multi Bank Selection
DataFlex provides simultaneous access to all of a consumer’s bank accounts, combining them into a unified, single-view display for better financial management and decision-making.
Open Banking Payments and More
Slick Pay
Slick Pay is a faster, safer, and smarter way to collect from borrowers.
We support Pay by Bank, Apple Pay, Google Pay, and Continuous Payment Authority (CPA), enabling customers to make fast, secure, and frictionless payments through their preferred method. Built on regulated Open Banking technology, our solutions reduce risk, lower costs, and boost conversion while delivering a seamless customer experience.
Instant payments
Lower processing costs
Bank‑level security
Higher customer conversion
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.
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