Multi-Award Winning Platform•Trusted by 11+ Major UK Brands

Intelligent Data Collection
for Modern Lenders

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

Transform affordability assessments with Open Banking integration, digital I&E capture, and automated decisioning. Reduce processing time by 60%.

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

Trusted by Industry Leaders

NatWest
Santander
Virgin Money
NatWest
Santander
Virgin Money
£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

Open Banking Integration

Real-time bank account verification 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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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.

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.