Products · Arrangements & AffordabilityFair plans. Built on real affordability.
Structured affordability conversations and payment plans that follow your policy exactly, and stand up to scrutiny.
Illustrative call flowLIVE
MEGA.AIAPPROVED · AFF-00
To make sure any plan is affordable, I’d like to ask a few short questions about your income and outgoings. Is that okay?
CUSTOMER
Sure.
MEGA.AIAPPROVED · AFF-03
Thank you. Roughly how much comes into your household each month after tax?
CUSTOMER
About two thousand.
MEGA.AIAPPROVED · PLAN-02 + RULES
Based on what you’ve told me, a plan of £40 a month looks affordable. Would that work for you?
Every MEGA.AI line is pre-approved. Live data is inserted into approved slots only.
What it handles
Affordability, done right.
Affordability assessment
Combines credit data, your customer data and approved in-call questions. No Open Banking required.
Income & expenditure
Structured I&E capture with tools such as IE Hub and Smart I&E.
Payment plans
Offer instalments that fit your policy and the customer’s means.
Forbearance signposting
Breathing space, payment holidays and support options, as approved.
Benefit entitlement checks
Identify unclaimed support with Policy in Practice.
Broken arrangements
Supportive follow-up when a plan payment is missed.
How it works
A fair outcome, step by step.
01
Consent
Explain why questions are asked and get agreement.
02
Assess
Approved questions combined with credit and account data.
03
Decide
Your affordability rules select the options the customer can be offered.
04
Agree
Confirm the plan clearly, with amounts and dates from the rules.
05
Monitor
Plan written back, reminders scheduled, missed payments followed up.
Why deterministic matters here
Affordability decisions must be explainable.
Regulators ask not only what was agreed, but how and why.
With MEGA.AI, every question, answer and offered option traces back to approved rules. That gives you evidence of fair outcomes, customer by customer.
Consistent
Same assessment for every customer.
Explainable
Every offer traces to a rule.
Supportive
Vulnerability signals picked up in context.
Evidenced
Complete record for Consumer Duty.
Used in
Where it runs.
Works with
Proof, not promises
Fair plans.
Proven outcomes.
Proven outcomes.
Affordability journeys live in production within 4–6 weeks.