Opica Group is re-defining the way Mortgage & Finance Brokers, Lenders and Financial Advisers approach their Customer Transaction Verification (CTV) process and subsequent Responsible Lending requirements.. Our RELIE platform takes real world actual 365 day expenditure from clients bank accounts & credit cards, aggregates & categorizes the data into hundreds of meaningful categories to produce an affordability result that is much more accurate than traditional models such as HEM, DSR & NSI ratios. RELIE's data model enables users to provide a true representation of an applicants income and spending habits and breaks transactions down by lending category (Mandatory vs Discretionary, Recurring vs Once-off, High Risk vs Low Risk) enabling the user to provide a clearer picture of the customers financial position. Visit www.reliecheck.com.au to see how our users are redefining their lending and verification programs.