- TransUnion UK announced the availability of its Modelled Income Assessment solution this week.
- The new offering sits inside the company’s Affordability Report and helps lenders make income estimates to guide affordability decisions.
- TransUnion’s new solution comes at a time of greater volatility in consumer incomes, making it more challenging for lenders who require accurate income data.
A new solution from TransUnion UK will help lenders make affordability decisions with greater confidence. Sitting inside the company’s Affordability Report, TransUnion’s Modelled Income Assessment solution estimates monthly income at configurable confidence thresholds. This enables proportional affordability checks and an income estimate consistent with client-agreed custom thresholds, allowing lenders to tailor outputs to their own risk appetites.
“The way people earn and manage money has fundamentally shifted,” TransUnion UK Chief Product Officer Kelli Fielding said. “Incomes are more volatile, data gaps are more common, and lenders are under growing pressure to evidence affordability decisions. Modelled Income provides lenders with a dependable, data-driven proxy that fills critical gaps in affordability strategies, without adding friction for consumers or compliance risk for lenders.”
TransUnion’s new offering comes as research indicates that more than a third of adults in the UK saw income changes over the previous three months. TransUnion’s Consumer Pulse Q1 2026 Survey reflects consumer income patterns and household finances that are increasingly volatile and under pressure. This has created challenges for lenders who require reliable income data and insights, especially when access to traditional salary information is inconsistent or difficult to access.
With Modelled Income Assessment, lenders no longer have to try to generate a precise pound-value prediction. The new offering from TransUnion UK provides an estimate of an individual’s net monthly income and leverages advanced machine learning technology to deliver proportional affordability assessments in real time. The solution also addresses client demand for frictionless alternatives to manual verification such as open banking.
“Expectations around affordability assessments continue to rise as regulation, such as Consumer Duty, demands richer affordability data, clear evidence of fair outcomes, earlier identification of vulnerability, and support for customers showing signs of financial stress,” TransUnion UK Director of Credit Clare Hollis said. “Modelled Income is designed to sit within strong model risk management frameworks and address regulatory pressure for fairness and appropriate consumer outcomes, while helping lenders streamline onboarding and reduce unnecessary friction in the customer journey.”
An international information and insights company with more than 12,000 associates operating in 30+ countries, TransUnion most recently demonstrated its technology at FinovateSpring 2024 in San Diego. At the conference, the company demonstrated its Enhanced BreachIQ solution, which replaces one-size-fits-all resources with modern, gamified consumer identity protection. The offering generates an Identity Safety Score based on a user’s individual data breach history, Breach Risk Scores that measure the severity of an incident in which their data was exposed, and a Personalized Action Plan to provide practical, effective mitigation steps to reduce risk.
TransUnion UK’s launch announcement comes at the same time that the company inked a multi-year partnership agreement involving Marshmallow Insurance and data specialist Percayso Inform. The partnership is an extension of Marshmallow’s and Percayso’s relationship, but marks the first time Percayso will deliver TransUnion data across the insurance and auto finance sectors for Marshmallow via Percayso’s platform.
Photo by Aron Van de Pol on Unsplash
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