Multi-Award Winning Platform•Trusted by 17+ Major UK Brands

Debt Solution
Driven By Intelligence

ApprovedReview
Connect

Customer Invite

Referral link sent

Penny AI Chat

Expanding Affordability Access

Open Banking

Accurate Bank Data

Budget Assessment

Data Driven Assessment

✓ APPROVED

Client Assessment

Outcome delivered

⚡ REVIEW

Seamless Debt Advice Referral

Amber case flagged

A smarter way to understand financial situations, assess affordability, and move customers to the right outcome. Powered by adaptive journeys, AI, and real data -while improving processing times by 60%. Not simply static forms. No guesswork. Structured, verified financial insight.

FCA Consumer Duty Ready
Bank-Grade Security
75% Self-Service Rate

Trusted by Industry Leaders

NatWest
Santander
Virgin Money
Tesco Bank
Zopa
PayPal
Octopus Energy
Newcastle Building Society
Leeds Building Society
E.ON Next
Coventry Building Society
NatWest
Santander
Virgin Money
Tesco Bank
Zopa
PayPal
Octopus Energy
Newcastle Building Society
Leeds Building Society
E.ON Next
Coventry Building Society
£2B+
Lending Decisions Powered
500K+
Customer Journeys Completed
99.9%
Platform Uptime
60%
Faster Processing

Transforming Affordability and Outcome Journeys

Debt Solutions is a platform redefining affordability — better data, smarter decisions, and clearer pathways to the right solutions for more customers

Verified Financial Capture

Open Banking, creditor data and structured inputs with instant transaction categorisation and income analysis.

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Digital I&E Assessments

Intelligent income & expenditure capture with built-in validation and affordability calculations.

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Adaptive Customer Journeys

Dynamic journeys adapting in real time to capture and make sense of complex financial data.

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FCA Consumer Duty Ready

Built-in regulatory compliance ensuring fair treatment and positive customer outcomes.

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Automated Decisioning

Trigger downstream processes instantly based on verified financial data.

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Enterprise Security

Bank-grade encryption, GDPR compliance, and ISO 27001 certified infrastructure.

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AI-Powered Conversations

Meet Penny, Your AI Assistant

Penny replaces rigid affordability forms with intelligent, adaptive conversations — improving accuracy, reducing friction, and strengthening compliant decision-making.

Human-like, guided conversations that build trust and improve completion
Real-time financial insight powered by Open Banking, Benefits Checkers, and Creditor Downloads
Structured, automated affordability assessment
Consistent, decision-ready affordability outcomes in real time

Penny

AI Assistant

Live
Hi Sarah, I can see you're in a difficult situation. Can you tell me a bit about your current monthly income?
I earn about £2,800 a month after tax, but I've had some unexpected bills recently
I understand. Let me connect to your bank account to get a clearer picture of your finances...
Open Banking connected
I've analysed your last 3 months. Here's what I found:
AI Insight

Monthly Income: £2,800 · Essential spend: £1,650 · Disposable: £1,150

Transforming Lending Journeys

From consumer credit to mortgages, our platform transforms lending decisioning — combining real data, consistency, and control.

Income & Expenditure
80% Customer Engagement
Consumer Lending
75% self-service rate
Mortgage Applications
60% faster completion
Debt Management
3x engagement increase
Credit & Collections Technology Award Winner

Recognised Excellence

Our partnership with NatWest won the prestigious technology award for delivering outstanding customer outcomes.

View case study

Move beyond outdated data collection.

Join NatWest, Santander, Virgin Money and other leading lenders who trust Paylink Solutions.