Case Studies
We help you to provide excellent service to financially vulnerable consumers.
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Lloyds Banking Group—which includes Lloyds Bank, Halifax, and Bank of Scotland—has trained its staff to refer customers who require extra support with online banking to our Family Connect service.
In close collaboration with the Lloyds Banking Group Inclusion Team, we enhanced our banking app to ensure it is fully accessible and secure for their customers. This enables Account Holders to confidently and safely manage their finances with the support of a Trusted Person appointed through our platform.
Products used
Finance under one roof
Lendology is a B Corp, social enterprise SME lender who offer Home Improvement and Energy Efficiency Loans funded by local councils for essential home repairs, adaptations and improvements.
Loans are managed through Slick, our lending platform whilst our DataFlex and Affordwise services assess borrowers credit risk.
Products used
Healthy lending
Chrysalis Finance, are the largest responsible lender for healthcare in the UK. They specialise in providing finance via a retail network of dentists and hospitals.
They use Slick – our Automatic Lending Platform and Decision Engine to automatically assess loan applicants.
Products used
Pin-point credit risk
Adage, a responsible finance lender based in London, provides loans to low-income and vulnerable consumers. To ensure lending decisions were both ethical and data-driven, a robust risk assessment process was essential.
Adage implemented our DataFlex and Affordwise solutions to access and analyse consumers’ open banking data. This enabled the generation of real-time credit scores and affordability assessments.
Within seconds, Adage can now gain a clear view of a consumer’s financial behaviour and make informed, responsible credit decisions using Affordwise.
Products used
Maximise income to avoid debt
IncomeMax, one of the UK’s largest income optimisation firms, works closely with creditors to help consumers identify and access additional sources of income, including unclaimed benefits and grants.
We developed and deployed a new platform for IncomeMax built on Salesforce, seamlessly integrating our DataFlex API. This integration empowers agents to quickly and accurately identify benefits and grants available to each consumer—reducing processing time and significantly improving the quality of service.
Products used
Ability to pay
United Kash, a debt purchaser, needed a fast and accurate way to assess consumer affordability in order to implement effective collections strategies.
By integrating DataFlex, United Kash can instantly categorise a consumer’s income and expenditure using real-time open banking data—enabling quicker, fairer, and more informed decisions during the collections process.