Smarter Lending Starts with Real Affordability
affordify.ai gives banks real-time affordability insights based on actual income and spending. Reduce defaults, stay compliant, and approve the right customers faster — all with explainable AI
The AI-Powered Affordability Engine for Banks
affordify.ai securely connects to consumer-permissioned banking data and applies AI-driven scoring to deliver clear, accurate affordability profiles. It helps lenders make better decisions, protect consumers, and build long-term trust
- Static credit models don’t reflect real financial health
- Customers drop off due to friction and lack of transparency
- Rising regulations increase compliance risk
- Banks face higher defaults and shrinking margins
- Real-time affordability based on live banking data
- Transparent, explainable AI insights for both banks and customers
- Instant, credit-safe pre-qualification for borrowers
- API-first integration that lowers costs and speeds up approvals
Operational Wins That Improve the Journey
Faster Approvals
Prequalify instantly and reduce friction
Lower Costs
Use soft checks that save money
Build Trust
Transparent scoring reduces complaints
Embed Anywhere
Works inside existing systems
What you get with affordify.ai
Where affordify.ai Fits in Your Stack
Plug into Open Banking APIs (Tink, Plaid, Visa, Yodlee, etc.)
Secure consent-driven access to real-time income, spending, and account data
Replace static credit proxies with real-time DTI + affordability modeling
Embeddable Responsible Lending Engine™ for prequalification, underwriting support, and loan monitoring
Scenario planning for consumer and compliance reporting
Affordability insights integrated into mobile banking apps, digital mortgage journeys, dealer networks, or BNPL platforms
GPT-powered explanations give plain-language transparency to customers
