Our Services

Identify households most at risk, earlier and with greater precision.

• A unique household-level vulnerability dataset applying observed account servicing outcomes to give an accurate measure of household vulnerability severity, duration and direction of travel.
• For local authorities we overlay housing and property data so that households most at risk of eviction can be identified to ensure better outcomes.
• elanev HARE (Household at Risk of Eviction) was developed from our multi-award-winning vulnerability screening services.

Deliver timely, proportionate support for financially vulnerable customers while reducing operational burden.

• Support your customers with a real-time digital I&E, financial vulnerability & benefits assessment.
• Reduces customer stress via a consented open banking journey.
• elanev PIN (People In Need) improves accuracy on, & reduces cost of, manual self-assessments freeing up staff to ensure that your customers get the right support, quickly.

Focus effort where it will have the greatest impact.

• A suite of scores at a household level across the whole UK including:
  • Propensity for a financial outcome (e.g. propensity to pay / purchase).
  • Financial resilience / vulnerability.
  • Best channel for contact.
  • Best time for contact.
• Improves performance and reduces operational cost.
• Better risk management and regulatory alignment.
• Data-driven insight that adapts as portfolios, behaviours, and external conditions change.

Ensure litigation strategies are proportionate, targeted, and evidence-led.

• Identify customers and companies suitable for secured and unsecured litigation by aligning data from multiple sources.
• Empirically driven.
• Focused on suitability, risk alignment, and observed outcomes.
• Includes charging orders and attachment of earnings.

Strengthen enforcement outcomes with reliable employment insight.

• In support of The Council Tax (Administration and Enforcement) Regulations 1992, Section 37.
• Driven by validated tenancy vetting, supplemented by additional data footprints.
• Provides employer name and address, job title, and employment longevity.

Apply consistent, auditable decisions across portfolios.

• Segment portfolios into meaningful, actionable groups based on cost‑to‑outcome and risk.
• Ensure the right accounts receive the right treatment at the right time.
• Reduce operational cost by aligning resource intensity to expected outcomes.
• Support consistent, explainable, and auditable decisioning across portfolios.

Use third-party data only where it demonstrably adds value.

• Enrich accounts using third‑party data vendors only where it adds value.
• Avoid unnecessary enrichment costs through intelligent orchestration and prioritisation.
• Use elanev as a single integration layer to manage multiple vendors and data sources.
• Simplify governance, monitoring, and data quality management across enrichment processes.

Inform investment and portfolio management decisions.

• Price consumer debt portfolios with realistic and defensible valuations.
• Model multiple scenarios across time, capital strategies, operating models, and risk appetites.
• Understand the impact of changing recovery curves, treatment strategies, and investment horizons.
• Support informed bidding, acquisition, and portfolio management decisions.

Assess operational risk capital in a way regulators recognise and trust.

• The elanev regulatory-recognised Operational Risk model affords our clients the ability to assess Pillar 2 capital in a simple, repeatable and real-time manner.
• Benefits from our experience of some 50+ industry approaches, rigorously vetted and cognisant of regulator feedback.
• Very popular with our challenger banking and asset management firms.

Understand the financial impact of cyber resilience failures.

• Quantify the impact of cyber resilience failures to better understand the capital and insurance cover you may need.
• Our industry-leading cyber risk model has been in service since Q1 2017, before the IMF proposed a similar theoretical approach in 2018.