Understand affordability
Up to 12 months of consented banking data.
Smartie uses AI to categorise income, essential expenditure, discretionary spending and debt exposure — crucially calculating monthly disposable income.
For businesses
Better affordability decisions start with better information.
Credit reports tell you what happened. Smartie helps you understand what someone can afford today.
Smartie provides a secure, current view of income, essential spending and disposable income — helping organisations make better affordability, support and resolution decisions, faster.
Up to 12 months
of consented banking data
of consented banking data
Less than 3 minutes
for the customer
for the customer
Better conversations.
Better outcomes.
Better outcomes.
Less manual
verification
verification
Better affordability
decisions
decisions
Reduced document
fraud risk
fraud risk
Supports compliant
processes
processes
More time for
resolution
resolution
Data & insights
See what Smartie reveals.
Current month and 3–12 month views across chequing, savings, loans and cards.
Stability & payment timing
Stability Score, payroll detection, employer details, income frequency and payment dates help optimise a repayment or instalment date.
Savings & assets
Capture self-declared savings, RRSPs and TFSAs alongside available linked account information.
Household & housing
Total household income, housing status and housing costs support energy and housing benefit applications.
Debt & repayment options
Capture debts, balances and repayments to assess repayment plans, settlements or insolvency options.
All income captured
Capture salary, government benefits, gig and self-employed earnings, and family-assisted income to build a fuller picture of the customer’s income.
Fixed / essential spending
Includes loan repayments, housing costs and basic living needs, such as groceries, utilities and essential transport.
Flexible spending
Includes all discretionary spending, such as dining out, entertainment and non-essential shopping.
Monthly disposable income
MDI shows the disposable cash remaining after income minus fixed and flexible spending. A negative amount highlights a shortfall.
All transaction details
Review transactional data across chequing, savings, loans and cards for the current month and 3–12 month views. Download statements and validate classifications.
Agent tools: review, validate & act
Reclassify e-transfers, cash withdrawals or cheques as rent, bills or debt repayments. Review, edit, update, add notes, request more information and download reports. Escalate internally or refer to a third party with the customer's permission.
Data can be pulled into an existing CRM via a secure API, subject to scoping.
Illustrative report with fictional identifying details. History depends on available account data. Income classification may require validation. This example shows no payroll detected and no declared savings or debt; the highlights describe report capabilities.
Why Smartie
A current view of affordability — without the manual burden.
Financial capacity assessments can be costly to administer, while document fraud makes it harder to rely on information submitted manually by consumers.
Make better decisions
Use the same financial picture across multiple outcomes.
Whether you need to lend, lease, insure, collect, advise or assess benefit eligibility, Smartie helps you make decisions based on what someone can realistically afford today.
Greater confidence. Reduced fraud risk. A more consistent, compliant affordability process.
Less time gathering information. More time finding the right resolution.
Built for key markets
One financial assessment. Multiple outcomes.
Explore how Smartie can support your industry.
For insolvency firms
Prioritise serious enquiries, shorten intake and monitor changing affordability. Help customers explore the right debt solution.
Download insolvency overviewFor mortgage brokers
Build lender trust with clearer affordability evidence. Reduce document chasing and coach clients towards renewal up to 12 months ahead.
Download mortgage overviewFor collections teams
Understand ability to pay, prioritise viable recovery and help consumers find an affordable resolution.
Download collections overviewFor property managers
Validate rental affordability, monitor changing circumstances and connect tenants with support. Explore portfolio insights.
Download property management overviewBenefits for your business
Work smarter.
Deliver better outcomes.
✓Reduce manual I&E work and call time
✓Improve affordability and risk decisions
✓Remove document chasing
✓Identify the right resolution pathway
✓Support regulatory and vulnerability requirements
✓Integrate with your existing processes
Benefits for your customers
A simpler, faster,
more secure experience.
✓Less form filling and fewer repeated questions
✓No emailing payslips or bank statements
✓Complete in less than 3 minutes
✓One assessment used again and again
✓Understand their options, not just their debt
✓A more supportive and human experience
Security & compliance
Security-first by design.
Smartie is designed around consent, privacy and control so businesses can use current financial data without relying on insecure document exchange or lengthy manual processes.
Consented accessCustomer-approved financial data access
Encrypted dataProtected in transit and at rest
Permission-based sharingCustomer remains in control
Access controlsPermissions and audit trails
Canadian data environmentDesigned for Canadian privacy requirements
No emailed statementsReduce insecure document handling
The Smartie difference
< 3 minutesCustomer journey
Up to 12 monthsConsented banking data
Up to 90% fasterThan traditional assessments
One assessmentMultiple resolution pathways
Canadian ecosystem & standards
Connected to the organisations shaping better outcomes.
We participate in industry conversations, standards and initiatives across financial services, debt help, collections and consumer protection.
Debt Help Roundtable
Member
RMA
Regulatory, industry and standards references are shown for context and do not imply endorsement unless expressly stated.
Partners & ecosystem
Platform agnostic and easy to integrate.
Smartie is platform agnostic and can be integrated easily into your CRM platform, engagement journeys and resolution processes — helping you connect understanding with action.
Platform agnostic
Fits into your existing CRM
Use Smartie as a standalone affordability layer or integrate it into your current CRM, collections, lending or support workflows.
Talk integration →Mega.ai
Joint venture for smarter engagement
Mega.ai and Smartie have come together to form a powerful joint venture — combining AI-powered engagement with affordability understanding and next-step resolution pathways.
Visit Mega.ai →
Best-practice collections technology
EXUS and Smartie provide a best-practice collection system, helping organisations combine effective case management with stronger affordability and resolution insight.
Visit EXUS →DUCA Impact Lab
Escalator Loan
Using Smartie to help Canadians explore a more affordable alternative to high-cost payday and instalment debt.
Explore the Escalator Loan →Resources & industry leadership
Research, discussion and practical insight.
Follow our work across research, events and industry conversations on affordability, vulnerability, engagement and resolution.
📄
Research & Whitepapers
Explore research, industry reports and insight from Smartie and RO-AR.
Visit RO-AR →📸
Affordability Summit
See photos, themes and takeaways from the Canada Affordability Summit.
See the Summit →in
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Prosper Canada
Debt Help Roundtable
Smartie founder Simon Howard participated in Prosper Canada’s cross-sector Debt Help Roundtable, bringing together stakeholders from community, government and business to examine how Canadians can access more appropriate, affordable and trustworthy debt help.
Download the latest report →
Our founder
Built in Canada for Canadians. Informed by global best practice.
I’m Simon Howard, founder of Smartie. With more than 25 years in credit, collections, lending and open banking across the UK, Canada and Europe, I’ve seen first-hand how often people are treated as a credit score rather than a person.
Smartie was created to bring real understanding to financial conversations — using secure data and access to global best practice and consulting partners from the UK, Australia and Europe to help organisations support better outcomes for their customers.
Contact us
Let’s find a better way forward.
Whether you’re looking to reduce manual I&E work, improve affordability decisions or support customers in hardship, we can show you where Smartie fits.