Affordability Is Changing. Are Your Risk Decisions Keeping Up?

UK consumers have shown remarkable resilience in recent years. Rising incomes, manageable debt levels and stable credit performance suggest a healthy market at first glance.

But the reality is more complex.

Beneath the headline figures, financial vulnerability is becoming increasingly uneven. While many consumers remain financially resilient, others are operating with little financial headroom and are increasingly exposed to economic shocks.

For risk professionals, understanding who is truly resilient and who may be at risk has never been more important.

What You'll Learn

Download The State of UK Affordability Report to access exclusive insights into:

• How consumer affordability has evolved since the cost-of-living crisis
• Why traditional affordability measures may no longer tell the full story
• Key indicators of emerging financial stress and vulnerability
• Trends in income growth, disposable income and indebtedness
• The impact of labour market changes on future affordability
• What increasing divergence means for lending, risk and compliance strategies
• How leading organisations can identify risk earlier and make more confident decisions

Key Insight

While many consumers appear financially stable, over three in ten report pessimism about their financial future, and signs of increasing vulnerability are beginning to emerge beneath otherwise positive market trends.

The challenge for lenders is no longer determining whether affordability pressure exists, but identifying which consumers are most exposed to it.

Download The State of UK Affordability Report and gain the insights needed to better understand today's changing risk landscape.