Financial risk rarely exists on its own.

It’s often rooted in deeper human experiences – mental health challenges, life events and behavioural patterns traditional systems can’t see.
Serene changes that.

By applying behavioural science to financial data, Serene surfaces early signs of vulnerability, fraud, and financial distress – enabling institutions not just to identify risk, but to understand, predict, and prevent it.

Benefits

Three Ways to Win:

Delivering better customer outcomes, stronger financial performance, and greater regulatory confidence.

Better Customer Outcomes

  • Identify customers entering financial difficulty earlier
  • Enable timely, proportionate support
  • Build stronger long-term customer relationships

Stronger Financial Performance

  • Reduce impairment through earlier detection of financial distress

  • Prevent scam losses  before financial harm occurs

  • Lower operational costs through smarter triage

Strengthen Regulatory Confidence

  • Demonstrate good customer outcomes
  • Align with Consumer Duty expectations
  • Provide explainable insights and clear audit trails
Features

One Intelligence Layer

Powering detection, prediction and intervention across the customer lifecycle.

SereneID

Proactive Identification

Identify early indicators of financial distress, vulnerability and emerging risk.

SereneScore

Predictive Insights

Anticipate financial distress and scam susceptibility before traditional signals appear.

SereneCare

Timely Support

Translate insight into personalised interventions and support at scale.

Impact

Driving Measurable Impact Across the Customer Lifecycle

From acquisition to collections, Serene’s proven impact reduces financial losses, fraud and scam exposure, and unlocks responsible growth.

Reduce Financial
Losses

Detect emerging financial distress earlier to reduce impairment and collections costs.

Reduce Fraud and Scam Exposure

Identify behavioural indicators linked to scam susceptibility before financial harm occurs.

Unlock Responsible Growth

Improve risk understanding to safely expand lending and strengthen engagement.