The FinHealth Score® is to financial health what FICO is to credit risk: rigorously validated, ready to embed, and trusted by major enterprise partners in financial services. Build engagement, cross-sell, and retention on the standard, not from scratch.
You run a consumer-facing product at a major financial services company. Financial health is becoming a strategic capability — your competitors are moving, regulators are setting expectations, and your board is asking questions. But you're stuck.
What you need is a validated methodology, the scoring infrastructure to embed it, and the benchmarks to prove it works — without reinventing the wheel. That's Attune.
4 pillars, 8 indicators, developed and validated over a decade by the Financial Health Network and USC. Attune is the exclusive technology platform. When FHN updates the methodology, your integration updates automatically.
Attune provides the methodology, the data, and the evidence. You build the experience your users see.
Enterprise integrations follow a natural progression from fast-to-deploy to deeply embedded.
// Score an assessment POST /v1/assessments x-api-key: sk_live_... Content-Type: application/json { "version": "1.1", "personId": "person_123", "responses": { "fhn1_code": 1, // Spend vs. income "fhn2_code": 2, // Bill payment "fhn3_code": 1, // Liquid savings // ... 8 codes total } } // → 201 Created { "id": "asmt_m5abc_0001", "overallScore": 80.0, "tier": "Healthy", "pillars": [ { "pillar": "spend", "score": 80, "tier": "Healthy" }, { "pillar": "save", "score": 87.5, "tier": "Healthy" }, { "pillar": "borrow", "score": 82.5, "tier": "Healthy" }, { "pillar": "plan", "score": 70, "tier": "Coping" } ] }
Validated financial health assessment creates the engagement loop. Diagnosis drives personalized insight. Insight drives recommendations. Recommendations drive cross-sell and retention.
Attune methodology + scoring via API, iFrame, or webhook
Your routing, your UX, powered by pillar-level data
More logins, deeper sessions, content consumption
Reduced churn, longer retention, higher LTV
Cross-sell, upsell, and measurable ROI
One of the three major credit bureaus evaluated whether to build financial health scoring or embed a validated methodology. They have more consumer data than almost anyone. They have data science teams. They chose Attune.
Financial health doesn't just diagnose — it predicts engagement, retention, product adoption, and lifetime value.
Virginia CU proved that financially healthy consumers show 32% higher product adoption — and gravitate to high-margin products (CDs: 16% vs 2%, mortgages: 13% vs 0%).
Customers who believe their FI supports financial health are 5× more likely to purchase additional products. Yet only 14% feel they get that support.
ING Netherlands built a transactional financial health indicator, tracked 12-month outcomes against control groups, and hit their 2030 target six years early.
Every enterprise client we work with evaluated the alternatives. Here's what they found.
| Alternative | What happens | Why Attune wins |
|---|---|---|
| Build your own scoring | 12-18 months of R&D. Hire research scientists. Validate the methodology. Still no benchmarking data. | Launch to market in weeks, not years. Rigorously validated over a decade. |
| Credit scores as proxy | One dimension instead of four. A 750 score + zero savings = "credit healthy," financially vulnerable. | Full picture: spending, saving, borrowing, planning. Combine with your credit data. |
| Academic / consulting | You get a paper. No API, no scoring engine, no infrastructure. | Research + infrastructure + enablement in one engagement. |
| Do nothing and wait | Competitors pull ahead. First-mover advantage becomes unreachable. | Phased engagement de-risks the investment. Prove the hypothesis first. |
The Financial Health Network defined the field of financial health — the frameworks, the research, the measurement methodology used by hundreds of organizations worldwide. Then they built Attune to turn that research into technology. FHN still owns nearly half the company and holds half the board seats. When you work with Attune, you're working with the people who wrote the playbook.
Financial health measurement is moving from voluntary initiative to regulatory expectation. The infrastructure to meet it barely exists.
The Office of the Comptroller of the Currency published a voluntary framework for banks to track positive cash flow, liquidity buffers, and on-time payments.
The United Nations appointed a dedicated Special Advocate for Financial Health — evolving a 15-year inclusive finance mandate into a focused financial health role.
The Bank for International Settlements hosted the first workshop dedicated to embedding financial health in regulatory frameworks.
"Regulators should focus on encouraging financial institutions to adopt and accelerate their own financial health measurement initiatives. Regulators should continue to prioritize engagement, innovation, and building momentum towards a race to the top."
The best next step is a structured discovery session with your product team. We'll dig into your use case, design a pilot, and give you real data to make the scale decision.
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