Hi, I’m Budgie
I’m here to help your customers complete a detailed AI affordability assessment form!
Our Clients
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 of 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.
FCA Regulated
Inicio is the only FCA regulated business using AI to process consumer affordability data — giving clients and consumers confidence that every interaction meets the highest regulatory standard.
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.
Portable Data
A completed Inicio assessment can be securely passported to other businesses with customer consent. One assessment, multiple providers. No repetition, no friction.
Key Benefits of an AI Affordability Assessment
Reduce your call centre costs
Our AI affordability assessement reduces agent costs by up to 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
What Client Agents Say...
We’re excited to offer this new tool to our customers—it’s simple to use. We can use it as a company to help more customers, which is great.
Customers can get help without feeling judged in this unique, simple, and friendly space. Thanks for giving customers options for filling it out so they can do it their way.
The efficiency and user-friendly design of the backend have significantly enhanced my ability to provide seamless assistance.
What End Users Say...
You can feel judged when you do it on the phone. Doing it on my own on an easy form like this made me be a bit more transparent and a bit more reflective.
It was simple, clear, and organised. I usually dread filling out these forms, but the language was positive about helping you with your money, and I like being able to download and save a copy.
I liked the different categories for clothes, birthdays, and gifts and that you could change the month to the week; it’s hard to work things out yearly, so it helps you give more honest answers.
“It’s so refreshing to implement a new system that requires so little agent training, which immediately works and adds value.”
Emily (Team Manager) – Northumbrian Water
Proud to be backed by our investors
Supported by Trusted Partners
