Smarter Affordability Assessments for Customers and Agents
Budgie, our AI-powered affordability assistant, makes income and expenditure assessments easier for customers and agents alike. Whether completed independently or with support, Budgie enables more natural conversations, accurate financial information and better customer outcomes at scale.
What End Users Say...
Keleaha talks about her experience of using the Inicio Income and Expenditure Form
Trusted by Leading Organisations
Our clients rely on us to gather continuous, high-quality affordability data 24/7 – improving completion rates and supporting better outcomes for customers and agents alike. An AI affordability assessment with confidence
A specialist trained virtual agent delivering an AI affordability assessment to your customers 24/7
Income & Expenditure battle
The income and expenditure process is a relentless battle that plagues us all. Customers at best are irritated by it, and at worst are terrified by it. This critical first step proves a huge barrier to many, keeping them trapped in financial stress.
Robotic customer service
Customer service advisors are reduced to robotic bill processors, drained of enthusiasm and creativity, and spend hours with their customers simply trying to understand their circumstances, rather than being able to help.
Game changer
Companies face an uphill struggle to demonstrate their commitment to regulatory compliance and customer satisfaction. But here’s the game-changer: our ground breaking solution puts an end to this nightmare. Our clients can gather an endless stream of income and expenditure data 24/7, resulting in not just satisfied, but genuinely relieved customers.
“We think the affordability process should be efficient, fair, and make discussing money less difficult.
Inicio is unique in its specifically trained conversational AI technology, which enables genuine engagement and support for all customer needs, including the most vulnerable.”
Rachel Curtis |CEO & Founder | Inicio AI
Why our AI Affordability Assessment is Different
Built for real conversations
Budgie understands natural language, recognises vulnerability, and guides customers through an Income & Expenditure assessment at a time that suits them — 24/7, without judgement.
Designed for Regulated Firms
Inicio is an FCA Authorised business specialising in affordability assessments. Our conversational AI has been designed specifically for affordability, helping organisations collect high-quality affordability information consistently.
From Pilot to Proven Scale
Through delivery the Inicio solution achieves completion rates of over 85%, and reduction in agent time by more than 50%. Trusted by leading regulated firms and deliverting measurable improvements in customer and agent outcomes.
Portable Affordability Data
Our FCA permissions enable completed affordability assessments to be securely shared with other organisations, with customer consent, reducing repetition and helping customers move more easily between providers.
Key Benefits of our AI Affordability Assessment
Reduce your agent costs
Cut Income & Expenditure agent costs by 90%
Improve overall efficiency
Handle increasing volumes and improve customer outcomes
Demonstrate governance
Detailed records to demonstrate effective compliance
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Customer completion rate
Consumer engagement
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Found potential benefits
Proud to be backed by our investors
Supported by Trusted Partners
