Ellie combines IE Hub’s affordability intelligence with MEGA’s conversational AI to automate affordability conversations, identify vulnerability sooner and help you deliver fairer, faster, more consistent outcomes.
Reduce operational effort and free up agent time
Identify vulnerability and prioritise support sooner
Deliver consistent, sustainable affordability outcomes at scale
Capture an SFS-compliant I&E digitally through IE Hub before contact, or reuse an assessment the customer has already completed. This gives Ellie the affordability information needed to begin a more informed conversation.
Agentic AI voice call
Ellie uses the customer’s I&E alongside your policies and rules to guide the conversation and identify the next best action - including a repayment plan, payment or escalation to a human agent.
Alerts
Stay informed when a customer's circumstances change or a new I&E becomes available. Ellie helps you identify customers who may need attention sooner, supporting faster triage and more appropriate intervention.
Maintain
Customers can keep their affordability information up to date in IE Hub and choose when to share it. Ellie can prompt updates, reducing the effort needed to refresh and confirm I&Es.
Making affordability conversations better for everyone
Better for customers
Less stress. More control. Fewer repeated conversations, with affordability information customers can maintain and choose when and with whom to share.
More efficient for your team
Automate routine affordability conversations, speed up customer triage and free your people to focus their time where human support matters most.
Stronger compliance
SFS-compliant affordability data, controlled business rules and auditable conversations help support consistent, evidence-based decisions and stronger operational governance.
Stronger outcomes
Combine accurate affordability information with intelligent conversations to deliver more sustainable payment arrangements, targeted support and consistent outcomes for customers and creditors.
Frequently asked questions
Ellie is an AI-powered affordability agent created by IE Hub and MEGA. She combines IE Hub's digital affordability platform with conversational AI to help organisations understand customer circumstances, automate affordability conversations and determine the appropriate next step.
If an I&E isn't available, Ellie can guide the customer through a shorter affordability assessment during the conversation. The information can then inform the next best action and be made available through IE Hub for the customer to maintain and share in future.
Yes. Using the customer's affordability information alongside your organisation’s policies and rules, Ellie can determine an appropriate next action. This can include agreeing a repayment arrangement or taking a payment, where appropriate.
No. Ellie is designed to automate suitable affordability conversations and reduce routine operational effort, while ensuring customers can still access human support when needed. This means your teams can concentrate their time on customers and situations where personal intervention adds the most value.
Start here
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IE Hub is a trading name of Personal Data Management Ltd. Company number: 11324154. Main trading address: Tramshed Tech, Pendyris Street, Cardiff, CF11 6BH, United Kingdom. ISO 27001 and ISO 9001 Certified. ICO registration number: ZA378793.
