ClearStake Platform
Bank-data financial assessments and case workflows for player due diligence.
Supplier popularity25%By Experian
Experian Affordability Passport
Consented Open Banking transaction capture and categorised income, expenditure and disposable-income insights through a portal or API.
The offering
What Experian Affordability Passport does
Affordability Passport lets a customer consent to share connected bank-account information with the chosen organisation. Experian categorises the transactions and returns a view of income sources, essential/committed/discretionary expenditure and disposable income. The UK gaming page names it for player financial assessments, while the product page explains portal and API access.
Design the consent journey and explain which information will be shared. Specify the connected accounts and period needed, then test incomplete histories, transfers between accounts and changes in income. Agree any additional identity, screening or Work Report insights in the package. The service supplies transaction-based evidence; reviewing its completeness and deciding what it means for a player remain with the operator.
Who should explore it?
UK-facing operators requesting consented bank evidence for a more detailed player financial review.
- Review a consenting player’s income and expenditure
- Supply transaction evidence for a deeper financial assessment
Documented capabilities
- Consented bank-data collection
- Income-source and expenditure categorisation
- Disposable-income and trend insights
- Portal/API access
Reported in the linked public sources. We have not independently tested these capabilities.
Product details
- Evidence role
- Categorise consented bank transactions for a personalised financial assessment.Source
- Source evidence
- Consumer-consented Open Banking data from connected bank accounts; optional additional identity/screening/Work Report insights.Source
- Insight categories
- Income streams, essential/committed/discretionary expenditure, disposable income and financial trends.Source
- Access
- Affordability Portal or API endpoints with a customer consent journey.Source
- Gaming scope
- Named on Experian’s current UK gaming page for player financial circumstances; agree market and connected-bank scope.Source
Delivery & commercial details
- Delivery & integration
- Customer Open Banking consent journey, with results available through the Affordability Portal or API endpoints. Scope connected accounts, data period and optional checks.Source
- Pricing
- Consultation-led proposal for the data journey, insight package, API/portal access and optional services.
Confirm market availability, rights, service levels and contractual terms for your implementation. API availability alone does not establish a named integration.
Buyer questions, answered
Must the customer consent to bank-data access?
Yes. The product’s stated collection method is consumer-consented Open Banking. Design that journey and confirm the accounts and evidence requested.
SourceCan the results reach our review system?
The product supports the Affordability Portal and API endpoints. Agree the result fields, identifiers, exceptions and records required by your reviewers.
Source