Traditional Credit Checks
Shows a historical view of a customer’s past credit and payment behaviour.
Historical view
Historical credit records
Previous payment behaviour
Limited view of current affordability
Insight Into
Financial Health
Wealth Check is Bluem’s AI-driven solution for assessing financial capacity, affordability, and risk in high-value or high-risk customer journeys.
The solution supports both individuals and businesses. It helps organisations verify income, understand spending capacity, detect risk signals, and make faster onboarding or acceptance decisions. Go beyond traditional credit scoring with verified income documents, PSD2 Open Banking data, and AI-driven analytics in one clear decision report.
Financial Report
خطر منخفض
Affordability score
82/100
Verified income
€4,850
Monthly spending
€2,930
Available monthly
€1,920
Affordable
AI-assessed decision
أكثر من 1500 عميل حول العالم، 100 مليون معاملة سنويًا
تثق به المنظمات في جميع أنحاء أوروبا والخليج العربي.
Financial Capacity And Stability
More Than A Credit Check
Traditional credit checks show historical payment behavior. Our Financial Health & Affordability Assessment provides a live view of financial capacity and stability based on verified financial data.
Financial Health & Affordability
Provides real-time insight into capacity and stability using verified financial data.
Live view
Verified banking data
Confirmed income information
Live Affordability Insights
Assessment Paths
For Individuals
And Businesses
Go beyond traditional credit scoring with verified income documents, PSD2 Open Banking data, and AI-driven analytics in one clear decision report.
Unified report
The result is a unified report combining income verification, document validation, affordability insights, and risk analysis.
Flexible Deployment
Use WealthCheck
Your Way
Wealth Check can be deployed flexibly,
depending on your process
Integrated Into
Your Own Flow
Add Wealth Check directly to your existing customer journey or merchant flow.
Your Customer Flow
WealthCheck
Customer Details
Decision Returned
Integrated In A Bluem-Managed Onboarding Flow
Let Bluem include Wealth Check as part of a complete digital onboarding journey.
Bluem Onboarding
Journey progress
3 of 4 steps
تأكدت هوية الشخص
Complete
Financial health assessed
Complete
Ready for decision
في طور التقدم
As A Stand-Alone
Service
Use Wealth Check whenever you need to verify financial capacity, income, or health.
New WealthCheck
الجهة المستلمة
applicant@company.com
Choose Channel(s)
البريد الإلكتروني
رسائل SMS
Flexible Invitation Options
The journey can run fully online and in real time, or as an invited flow by email, SMS, or WhatsApp. Companies can send Wealth Check invitations with a button, QR code, or secure link to start the journey.
الكامل عبر الإنترنت
Real time
البريد الإلكتروني
رسائل SMS
واتساب
Button
QR Code
Secure Link
Configuration Control
Fully Configurable
Rules Engine
Every organization has its own policy. Wealth Check is designed to match it.
Configure which income documents you accept, how many documents are required, how recent they must be, and what validation rules apply. For example:
Minimum Payslips
Require at least two payslips.
Recent Payslips
Accept payslips issued within four months.
Name Verification
Require the subject’s name on bank statements.
Recent Bank Statements
Accept statements from the last three months.
You can also decide whether PSD2 Open Banking is allowed, whether it can be used as a standalone verification method, or whether it must be combined with additional proof of income, such as a Tax Authority income statement.
Assessment Rules
All rules can be configured quickly without custom coding.
Built for Enterprise
Enterprise Advantages
Make faster, more reliable decisions with real-time financial insights, automated verification, and early fraud detection.
True Affordability Insight
Understand disposable income, stability, and financial capacity beyond simple income thresholds.
Real-Time Financial Health
Assess companies based on actual recent banking activity rather than outdated annual reports.
Fewer Defaults And Arrears
Make more reliable accept or decline decisions and reduce payment risk.
Fast, Automated Decisions
Replace manual checks with AI-driven verification, analysis, and reporting.
Fraud Prevention
Detect forged documents, anomalies, and high-risk behavior early.
تحويل أعلى
Create faster, clearer journeys with fewer back-and-forth requests.
أسعار شفافة
Flexible Pricing for
Every Financial Assessment
Analyse documents or Open Banking data for individuals and businesses, with scalable pricing based on your setup and transaction volume
الوثيقة
Analysis
€0.55 / per document
Supports payslips, annual salary statements, bank statements and tax income statements
لا توجد احتكاكات أثناء التثبيت
يعمل عبر عدة قنوات
تضمّن التقرير المقدم في لوحة المعلومات
الأسعار المعروضة دون خصومات حجمية.
تعتمد الأسعار النهائية على إعدادك للعملية وحجم المعاملات.
Open Banking Affordability Check - Individuals
€0.99 / per analysis
Supports all banks across the SEPA zone
لا توجد احتكاكات أثناء التثبيت
يعمل عبر عدة قنوات
تضمّن التقرير المقدم في لوحة المعلومات
الأسعار المعروضة دون خصومات حجمية.
تعتمد الأسعار النهائية على إعدادك للعملية وحجم المعاملات.
Open Banking Credit Score - Businesses
€1.99 / per analysis
Supports all banks across the SEPA zone
لا توجد احتكاكات أثناء التثبيت
يعمل عبر عدة قنوات
تضمّن التقرير المقدم في لوحة المعلومات
الأسعار المعروضة دون خصومات حجمية.
تعتمد الأسعار النهائية على إعدادك للعملية وحجم المعاملات.
ابدأ
Ready To Assess Financial Capacity With Confidence?
Use Wealth Check as a stand-alone service or integrate it into your onboarding and acceptance flow.
