Delivering customer affordability tools for banks and building societies

We’re a multi-award-winning fintech provider delivering digital affordability solutions across the financial services sector, including lending, collections and banking.

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Want an accurate digital affordability budget platform?

Our flagship product, Embark, is an online budget platform. It provides a full picture of someone’s financial situation and allow agents to recommend an affordable solution based on their circumstances.

Introducing Embark

  • Brings operations together as part of a consistent affordability system for customers to self-serve

  • Saves time, improves accuracy and maximises agent output

  • Allows agents to seamlessly gather data from leading credit referencing agencies to provide a holistic view of customers’ financial situations

  • Provides a quick, easy and seamless journey which means agents are able to deal with more customers and meet stringent regulatory requirements by providing fully compliant and FCA-regulated affordability assessments

  • Removes the need to gather and upload paperwork, carry out lengthy phone calls and attempts to re-engage with people who don’t complete their affordability assessment journey

Our software has been adopted by more than 20 lenders, including high street banks, challenger banks, building societies and third-party servicers to assist their credit card, overdraft, loan and mortgage customers who’ve fallen into financial difficulty, allowing them to self-serve and provide their affordability using SFS guidelines.

Want an accurate digital affordability budget platform?

Our flagship product, Embark, is an online budget platform. It provides a full picture of someone’s financial situation and allow agents to recommend an affordable solution based on their circumstances.

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Get in touch to book a demo.

Reducing the time it takes to complete a budget

  • Ease of use means more customers compete their affordability assessments
  • Removing manual physical form-filling processes also allows more customers to easily share financial difficulties and receive relevant support
  • For customers who’ve had a change in circumstance and require a payment plan, Embark allows data to be seamlessly gathered from leading credit referencing agencies to provide a holistic view of their financial situation
  • Simple journey halves the time it takes for customers to complete their budget 

“The cloud-based digital income and expenditure product delivered by Paylink Solutions helps our customers who are in financial difficulty and allows us to offer them affordable solutions. The use of CRA data and open banking means the journey can be completed much faster, customers are offered flexibility in how they complete their budget – and our agents are freed up to support even more people.”

Tabitha Sherwood, Product Manager at Zopa

Key features

Originally developed for sister company – and one of the UK’s largest free debt advice providers, PayPlan – our software includes features such as:

  • Open banking
  • CRA integration
  • Digital triage
  • Arrangement proposals
  • Auto requests for future affordability assessments
  • Seamless free debt advice referral 

Accreditations

How to get in touch

We’re a friendly team and would love to hear about your operational requirements and how we can help you to best serve customers in financial difficulty and improve digital journeys.

Whether you just want a chat and a bit more information or a full demo, give us a call on 0800 072 1204 or fill in the form here.

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