Provisionally the new software is called SafeCus with two projected levels of service - Premier and Standard.

The Premier Level could be on sale within a year and will provide banks with information based on customer use of on-line payment, credit and debit cards. SafeCus would assess customer credit and identify potential needs for products sold by the bank. For example, if a customer pays only a portion of an on-line bill the bank could set up an automatic offer, timed at the moment the bill gets paid, for a low-interest secured loan.

The Standard Level would provide only the more accurate system for identifying potential customer defaults. This could be available within three months with the option of an upgrade to Premier Level six months later.

Gordon is considering the following scenario:

Producing the Standard Level with optional upgrade to the Premier Level. Standard level available from 1 April 2010 with upgrade from 1 October 2010.