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Enhanced Consumer Indebtedness Index

Reveal your customers true indebtedness

An invaluable tool for lenders, the Enhanced Consumer Indebtedness Index (ECII) ensures responsible lending and fully informed decision making to protect you and your customers. It’s vital to be fully aware of the risk in providing more credit; even if a customer doesn’t struggle with their current repayments.

How can we help you?

The ECII goes one step further to provide more insight into a customer’s financial circumstances using income data.

ECII includes Behavioural Data Sharing; identifying customers showing early warning signs of financial stress; Home Credit data, relating to accounts with weekly payments collected door to door; and Debt to Income Ratios, used for the first time in scoring, a DTI ratio shows the percentage of a consumer’s monthly gross income that goes towards paying debts.

What can ECII do for you?

  • Make more accurate decisions on whether to take on a new customer
  • Improved insight of scoring models
  • Compliance with Mortgage Market Review and responsible lending regulation

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