Insolvency
Reduce manual intake and build a clearer picture of income, expenditure and financial capacity before the meaningful conversation begins.
Learn more →
Understand. Verify. Resolve.
Know the financial reality. Find the right way forward.
Smartie helps people securely understand and share their financial position — and helps businesses make better affordability and resolution decisions using consumer-consented financial data.
Free for consumers • No impact on your credit score • Secure and consent-led
One platform. Two sides.
Built for people. Useful for the businesses helping them.
Consumers stay in control of their information. Businesses receive a clearer, structured view of affordability when the consumer chooses to share it.
For consumers
Understand where you stand financially and explore practical options — without affecting your credit score.
Budget & affordability
Debt resolution
Lower-cost options
Rent & energy support
For business
Replace manual forms, statement chasing and guesswork with a faster, consent-led understanding of a customer's financial capacity.
Collections
Insolvency
Mortgages
Lending
Property
Credit unions
How it works
From uncertainty to a clear financial picture.
Smartie makes the process easier for consumers and removes unnecessary administration for businesses.
1
Start securely
The consumer opens a Smartie link and confirms their details and consent.
2
Connect financial information
Bank information is connected securely. Smartie does not need the consumer's banking password.
3
Understand the position
Smartie organizes income, expenditure, commitments and trends into a clearer financial picture.
4
Find the right next step
The information can support affordability decisions, repayment plans, applications or appropriate resolution pathways.
Business solutions
Affordability data where decisions actually happen.
Smartie can sit inside existing customer journeys rather than becoming another disconnected process.
Mortgages
Support affordability conversations with consumer-consented financial information rather than emailed statements and manual re-keying.
Learn more →Lenders
Add a deeper affordability layer to lending, second-look decisions, rehabilitation and ongoing customer support.
Learn more →Debt advice & collections
Reach the right resolution faster with a clearer understanding of ability to pay, commitments and support needs.
See adjacent markets →Legal, education & utilities
Use structured affordability information to support disclosure, financial capability and customer assistance journeys.
See adjacent markets →Telco & other sectors
Bring the same consumer-consented affordability layer into other sectors where financial pressure affects engagement and resolution.
Explore business solutions →
Trust matters
Financial information is sensitive. The experience should feel safe.
Smartie is designed around consumer consent, clear purpose and secure handling of financial information.
Consumer controlledInformation is shared as part of a clear, consent-led journey.
No credit score impactUsing Smartie does not create a hard credit inquiry.
Less document sharingReduce the need to email sensitive bank statements and payslips.
Built for auditabilityStructured digital journeys can support clearer records and governance.
Financial clarity should lead somewhere.
Understand the position. Then help find the right resolution.