Faster, more sustainable and more engaging income and expenditure

MyBudget takes all of the worst things about traditional income and expenditure assessments - long phone calls, pages and pages of forms and inaccurate figures - and makes it engaging, fast and more accurate for your business and your customers.

Using real-time account information, MyBudget builds more sustainable bank verified I&E budgets, so that you always make sure your customers get the right financial outcome.

Be it powered by OpenWrks, co-branded or white labelled, easily introduce MyBudget into your business. Check out your engagement options.

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My Budget Mobile Revised

How we help

The Challenge

It is estimated that there are 100-200m affordability assessments completed each year in the UK alone, most of which are done manually over the phone.

The Solution

MyBudget combines Open Banking data with conversational AI to enable your customers to complete self-service income and expenditure assessments online. It uses bank verified data to power more accurate affordability assessments across a wide range of use cases from mortgage applications to debt management.

Reduce the time it takes for your customers to complete income and expenditure from thirty minutes to three.

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The OpenWrks platform


The OpenWrks platform is the backbone that everything we deliver is built on. It includes Flow, our GDPR compliant authentication journey and the standardised, categorised and profiled bank data that we receive from consumers. You can integrate this data from our platform directly into your business through our single secure OpenWrks API.


We’ve built a suite of applications that applies the data and insight from the OpenWrks platform, delivering it to the right place and in the right format for any use case. From simple, zero tech dashboards through to deeply integrated AI powered affordability assessments, the powerful OpenWrks application suite can flex to your precise business needs.


The challenges your customers face today are complex, but they want you to solve those challenges in as seamless a way as possible. The OpenWrks platform and products can be combined and integrated to create entirely bespoke solutions to your customers challenges and your business operations.

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