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FINANCIAL HEALTH INFRASTRUCTURE

The FinHealth Record™

A per-person, longitudinal record connecting diagnosis to prescription to uptake to outcomes — and back again. One connected format for the full FinHealth Workflow™.

What the EMR did for clinical care, the FinHealth Record™ does for financial health.

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THE PROBLEM

Financial health data is broken

80% of customers expect their financial institution to help improve their financial health. Only 14% feel that their institution actually delivers. — Financial Health Network

The reason isn't a lack of will. It's a lack of infrastructure. Organizations measure financial health in incompatible ways. Diagnosis data stays siloed in one system. Uptake data lives in another. Outcomes — if they're tracked at all — sit in a spreadsheet somewhere, disconnected from what caused them.

There is no shared format for tracking a person's financial health journey over time. No portability between institutions. No interoperability between tools. No way to connect what you diagnosed to what you prescribed to whether it actually worked.

The result: billions spent on financial wellness programs with no connected evidence of impact.

WHAT IT DEFINES

Four beats. One connected record.

The FinHealth Record™ structures data around the FinHealth Workflow™ every person moves through — and it closes the loop, so what you learn from outcomes changes the next diagnosis.

↻ Closed loop
01
Diagnose
What’s happening with this person’s financial health today?
02
Prescribe
Given our resources, what will help this person most?
03
Uptake
How does this person actually engage with our resources?
04
Outcomes
What improved or worsened since this person’s diagnosis?
{ }
Modular
Works with many data sources and assessment instruments
+
Extensible
New instruments and data types plug in without breaking the format
↔
Interoperable
A shared format across institutions, tools, and platforms
⊕
Portable
People own their record and can port it between providers
Σ Validated outcomes at scale

Four beats describe one person. Sum them, and you can prove what works.

Every record carries the same four beats, so they add up. Across a population, across time, that is the evidence base — what actually improves financial health, for the people you serve and for the business.

Consumer outcomes
FinHealth Score®, total debt, savings buffer
Business outcomes
LTV, retention, cross-sell, acquisition
Relationship outcomes
Trust, NPS, depth of engagement
TWO SURFACES, ONE RECORD

However your team works, the record is the same.

The FinHealth Record™ is one connected data layer. Engineering teams build with it. Operations teams run on it. The data, the workflow, and the proof are shared.

DEVELOPER SURFACE

Embed the workflow

REST API · CLI · MCP server · OpenAPI spec · webhooks. Read and write FinHealth Record™ data on a per-person basis. Build FHR into your existing product.

For developers →
OPERATOR SURFACE

Run the workflow

Web app · dashboards · member portal · case management · reporting. Operate the FinHealth Workflow™ end-to-end without spreadsheets. The GUI for every stage.

For operators →
WHY ATTUNE

We've measured. Now we're connecting.

Attune is the exclusive technology partner of the Financial Health Network for the FinHealth Score® — widely accepted as the standard for measuring household financial health.

Five years implementing it across financial institutions, a major credit bureau, and a major insurer, reaching 5.6M+ members across $100B in assets.

What we've seen is the gap between diagnosis and evidence: prescription, uptake, and individual outcome measurement. The FinHealth Record™ is the infrastructure we're building to close it.

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Roughly fortnightly. Writing on financial health infrastructure, the FinHealth Workflow™, and what we're learning building it.