Sean Tyrer
CEO, Money Carer Foundation
"The impact of Kalgera's technology on our processes is indescribable. It's more than just a tool; it's a beacon of hope for our clients who can feel safer knowing they are being protected."
Identify, protect and monitor vulnerable customers
Financial institutions or fintech platforms can meet the FCA’s Consumer Duty standards with Kalgera, the only platform in Europe that utilises AI and millions of data points to identify, monitor and protect vulnerable customers who are using any payment or banking products or services.
27.7M
Vulnerable people in the UK
£1.3Bn
UK annual fraud losses
4.2M
Missed loan/bill payments from March - June 2022
11
Kalgera AI vulnerability detection models
Built to meet the FCA’s Consumer Duty standards
The FCA’s New Consumer Duty took effect in July 2023.
The Financial Conduct Authority (FCA) has already begun proactively requesting details from financial institutions and fintech platforms on how they are protecting their vulnerable customers. In the current climate, the issue becomes more pressing every single day.
You can read more about the current state of the UK’s most at-risk customers over at the Kalgera blog.
You can read more about the current state of the UK’s most at-risk customers over at the Kalgera blog.
Seamlessly integrate Kalgera into your product
Cutting-edge cognitive neuroscience
Our proprietary deep-learning stack unlocks the financial behaviour captured in transaction data.
Analysis and categorisation of customer vulnerability
Categorise customer vulnerability on an ongoing basis through regular monitoring.
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Bank-grade security and easy-to-access data.
Our secure cloud-platform integrates with your CMS so your team has the data they need, when they need it.
Latest Technology
Stay one step ahead with Kalgera
Identify the early warning signs of low financial resilience
According to the latest UK Finance figures, Authorised Push Payment (APP) fraud losses reached £485.2 million in 2022.
Identify the early warning signs of low financial resilience, including transaction patterns that increase the risk of APP fraud and implement processes for your customers that encourages positive behavioural change
Identify the early warning signs of low financial resilience, including transaction patterns that increase the risk of APP fraud and implement processes for your customers that encourages positive behavioural change
Identify possible financial abuse by bad actors
According to Equifax, it's estimated that only five percent of financially abusive crimes are ever reported.
Identify possible financial abuse by bad actors (e.g., theft of funds earmarked for the care of a vulnerable person) increasing the opportunity for timely intervention and restricting financial losses.
Identify possible financial abuse by bad actors (e.g., theft of funds earmarked for the care of a vulnerable person) increasing the opportunity for timely intervention and restricting financial losses.
Identify individuals at risk of social engineering fraud
GlobalData states that 39% of fraud reported in 2022 was social-engineering based; this number is expected to unfortunately increase.
Stay ahead and identify individuals at risk of social engineering fraud (e.g., romance scams, impersonation).
Stay ahead and identify individuals at risk of social engineering fraud (e.g., romance scams, impersonation).
Monitor customer ongoing suitability for financial products and services
In 2022, the FCA found that 12.9 million UK adults had low financial resilience – a total of one in four (24%) of all UK adults.
Monitor a customer’s ongoing suitability for financial products and services (e.g., current account or credit product).
Monitor a customer’s ongoing suitability for financial products and services (e.g., current account or credit product).
Facilitate effective early intervention
Facilitate effective early intervention, including timely check-ups by customer support and fraud teams, offering of loan extensions in cases of non-fraud financial distress and other types of targeted support with the aim to take the burden off the customer.
Kathryn Murphy
CFP, Goldenprofits
Kathryn Murphy
CFP, Goldenprofits
Kathryn Murphy
CFP, Goldenprofits
Kathryn Murphy
CFP, Goldenprofits
Financial Vulnerability White Paper
The Kalgera team has decades of experience in financial vulnerability. Our inaugural whitepaper explains how any business can use our platform to support Europe’s financial ecosystem and build deeper, more meaningful relationships with its long-ignored, vulnerable customers.
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Let’s talk
If you want to work with us, speak to us for press and speaking opportunities or comment, then please do get in touch.