"Abound’s AI technology scans customers’ bank transaction data to understand each person’s unique financial situation and determine how much they can afford to repay each month. As a result, Abound sees 75% fewer defaults than the industry standard."

https://tech.eu/2024/05/08/uk-aintech-abound-secures-up-to-ps13bn-to-expand-access-to-fair-credit-pen-spark-tune-share-more-vert/