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Powered by MEGA.AI × IE HubMeet ELLIE.
Affordability assessments. In minutes, not days.

ELLIE combines IE Hub’s affordability platform with MEGA.AI’s deterministic voice AI. Better outcomes for customers, lower operational cost and stronger compliance, in one conversation.

ELLIE, the affordability assistant
Watch

ELLIE, in action.

A real ELLIE conversation, the four steps and the compliance model, in under two minutes.

ELLIE: affordability assessments in minutes
The problem
Affordability conversations shouldn’t take days.

Chasing I&E forms. Re-keying data. Long calls that end without a decision. Customers drop off and agents lose hours. ELLIE closes the loop in a single conversation.

How it works

Four steps. One fair outcome.

01
PRE-CONTACT

Get the right information, the easy way.

Customers complete an SFS-compliant income and expenditure assessment in IE Hub, or reuse one they already have.
02
VOICE CALL

A more personal conversation. Better decisions.

ELLIE uses the I&E to assess risk against your rules and recommends the next step: agree an arrangement, take a payment or pass to an agent. No I&E yet? ELLIE completes a summary SFS assessment during the call.
03
ALERTS

Be proactive. Support sooner.

ELLIE flags changes in circumstances and tells you when a customer has an I&E ready.
04
MAINTAIN

Up to date, with less effort.

Customers keep access to their information and share it with consent. ELLIE prompts them to refresh it when it is time.

Every completed I&E drives the next best action and is deposited in IE Hub for the customer, with the usual benefits: sharing, income maximisation, vulnerability support and ongoing access.

Outcomes

Better for everyone in the conversation.

Better for customers

Less stress. More control.

More efficient for your team

Automate. Prioritise. Save time.

Stronger compliance

SFS compliant. Audit ready.

Stronger outcomes for everyone

Sustainable support. Better results.
Why deterministic matters

Every word approved. Every step on record.

ELLIE follows your rules and your pre-approved wording, step by step. No improvisation in a regulated conversation.

Affordability is where a wrong sentence costs the most. ELLIE runs on MEGA.AI’s deterministic engine: every question, every recommendation and every handover follows logic your organisation has approved, and every step is recorded, so you can evidence a fair outcome for every customer.

SFS-compliant
Standard Financial Statement assessments, in the call.
Your rules
Risk assessed against your own credit policy.
Consent first
Customers control what is shared.
Audit-ready
A complete record for Consumer Duty.
Built together

MEGA.AI × IE Hub. Two specialists, one product.

IE Hub brings the affordability platform and SFS-compliant I&E. MEGA.AI brings the deterministic voice layer. ELLIE is where they meet.

MEGA.AI×IE Hub
See the MEGA Ecosystem
Oscar and ELLIE, MEGA.AI and IE Hub working together
Proof, not promises
Ready to meet
ELLIE?

See an ELLIE conversation on your own affordability journey.