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
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.
Ask us how Smartie can support the use cases and workflows in your industry.
Benefits 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
How Smartie works
Connect → Understand → Resolve
1
Connect
Your customer securely connects their bank using consented banking data.
→
2
Understand
Smartie analyses income, expenditure, commitments and affordability to build a clear, current picture.
→
3
Resolve
Use the insights to choose the right next step — repayment, settlement, refinance, benefits or referral.
Data & insights
A clearer picture of financial reality.
Access up to 12 months of consented banking data, giving you insight into income, expenditure, commitments and affordability — and how a customer’s position changes over time.
See a sample report →Income$3,450
Disposable income$670
Current position at a glance
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.