Inicio supports consumer lending organisations across the full customer lifecycle, from initial application and origination through to ongoing affordability reassessment.

At the point of application, our solution enables lenders to capture a clear and accurate view of a customer’s financial position, ensuring affordability assessments are completed efficiently and consistently. Whether integrated directly into existing digital journeys or used alongside agent-led processes, Inicio provides a structured and intuitive experience for both customers and teams.

As customer circumstances change, the need to reassess affordability becomes critical. Inicio allows lenders to re-engage customers quickly and confidently, using the same consistent framework to capture updated income and expenditure information.

A key strength of the platform is its flexibility. Customers can complete assessments independently through our virtual agent, or with support from an advisor, with both able to work through the same journey in real time. This ensures a seamless experience while maintaining accuracy and compliance.

By reducing friction at origination and simplifying reassessment, Inicio helps lenders improve decision-making, enhance customer outcomes, and ensure a consistent, auditable approach to affordability across the lifecycle.