EXPLORE THE RISK ENGINE

Region's first comprehensive Risk Assessment Tool

A smarter, faster way to assess risk with zero code.

KEY CAPABILITIES

Risk engine highlights

In-depth Affordability Analysis
In-depth Affordability Analysis
Quickly assess customer affordability with detailed open banking data.
Extended History Review
Extended History Review
Access longer banking histories for more accurate financial behavior analysis.
Enhanced Fraud Detection
Enhanced Fraud Detection
Detect fraud early with real-time access to verified financial data.
Comprehensive Data Insights
Comprehensive Data Insights
Get a 360° view of customer risk using rich data from multiple banks.
USE CASES

Unlock real value

Lending & Affordability Checks

Lending & Affordability Checks

Use income and spending insights to assess customer affordability, reduce default risk, and make informed lending decisions.
BNPL Risk Assessment

BNPL Risk Assessment

Verify identity, income patterns, and behavior to enable safe, real-time approvals at checkout.
Mortgage Pre-qualification

Mortgage Pre-qualification

Evaluate long-term financial behavior and income trends to streamline pre-approval and reduce friction in the application process.

PRODUCT

A no-code risk engine for faster, smarter decisions

Spare's risk engine evaluates affordability, behavior, and creditworthiness — instantly and without coding.
Risk Assessment

Contact us

Get in touch

Let's build your business. Reach out to our team and we'll be in touch