ISAGI Financial Assessment Platform

ISAGI helps organisations understand an individual’s financial position by overlaying credit data with Open Banking insights to create a complete affordability picture. As the platform gained traction and prepared to onboard major corporate clients, ISAGI partnered with Inflecto to redesign their system for scale, security, and speed — without losing the flexibility needed to serve different markets.

What we Built

A secure, scalable platform that ingests, enriches, and presents financial data for sector‑specific reporting. The architecture is event‑driven and cloud‑native, designed to handle high volumes, maintain strong security guarantees, and adapt quickly to new requirements.

Scalable cloud architecture using Azure serverless (Azure Functions and Azure Queues)
Data integrations with Experian (credit data) and TrueLayer (Open Banking)
Royal Mail integration for address validation and accuracy
Enrichment using Experian’s AI models via AWS SageMaker (including Categorization as a Service, CaaS)
Configurable reporting: custom templates, branding, and market‑specific variants
Role‑based access, auditability, and clear separation of sensitive data

How it works

Data collection
The platform securely connects to providers (Experian, TrueLayer) to retrieve relevant credit and banking data. Address data is validated with Royal Mail to improve downstream matching and accuracy.
Normalisation and enrichment
Banking transactions are categorised using Experian’s CaaS AI models on AWS SageMaker. Normalisation pipelines ensure consistent structures for reporting and analysis.
Reporting and delivery
Reports are generated against configurable templates to match sector needs (e.g., credit hire, tenant verification). Branding, messaging, and communication channels can be tailored per client or market.
Operations and scale
Azure serverless components (Functions, Queues) coordinate workloads, enabling high throughput and resilience. The system can scale rapidly to meet demand spikes while controlling cost.

Security and trust

Given the sensitivity of credit and banking data, security is embedded throughout:

Multiple layers of encryption and strict data segregation
Role‑based access with least‑privilege controls
Automated testing and external vulnerability scanning
Operational monitoring and audit trails for compliance and oversight

Impact

Market‑ready scale
The platform has processed hundreds of thousands of cases, supporting large client volumes and sustained growth.
Faster onboarding
Major corporate clients can be onboarded with confidence, supported by a robust architecture and clear reporting workflows.
Proven adoption
The system is used by leading organisations including Bond Turner, Enterprise, and Auxillis.
Sector alignment
For credit hire (CHO members), processes are streamlined to reduce the historical burden of gathering client documentation — with configurable reports tailored to the sector.

Why it matters

ISAGI’s mission is to bridge gaps in financial assessment by combining credit and Open Banking data into a complete affordability picture. The redesigned platform enables that mission at scale: faster decisions, clearer reporting, and adaptable delivery across different markets through the Experian partnership.