Personalised Lending Journeys


Lenders require an efficient way to determine if their potential customers are vulnerable. The current method of fixed questions cannot adequately explore applicant diversity. Consequently, many applicants get approved with insufficient supporting evidence that it is responsible, or are unnecessarily declined.

This is why personalized lending journeys are such an important asset to the industry.

PrinSIX specializes in supplying a service-led platform for lenders that adapts to responses as applications progress.

• Dynamic conversations adapt to every applicant as more is discovered.
• Watching applicant behaviour creates an entirely new dataset for decisioning.
• Journeys are configured, not coded, supporting a highly accelerated method of testing and refining journeys to optimise commercial, regulatory and customer outcomes.

Senior man using financial services platform to pay bills

Launch of Leeds based fintech start-up set to tackle inclusion

Here at PrinSIX, we aim to revolutionise and simplify the way that the financially vulnerable access financial and utility services.

financially vulnerable person calculating debt

Horror Stories and Bad Debt: How can we tackle financial vulnerability?

The UK is a nation in debt Horror stories about payday lenders and tv programmes about high court enforcement litter the national media. Indeed, financial vulnerability is prevalent throughout British society, and it is easy to stumble across examples of ‘bad debt’...
piggy bank on calculator, vulnerability, lending risk concept

Regulating for better outcomes – next steps in consumer credit

The FCA has published a speech on consumer credit focusing on consumer outcomes and needs, particularly for those in a vulnerable position.

kyc wooden blocks know your customer concept

Is KYC enough? Why lenders and service providers are failing to fully manage compliance risk.

Is KYC enough to assure regulatory compliance? Here is why most lenders and service providers are failing to fully manage compliance risk.

cheerful mature couple managing finances together

How well are digital journeys protecting the financially vulnerable?

For financial services vulnerable customers are a key concern. PrinSIX software can improve onboarding to support the financially vulnerable

Adapting marginal gains principles to loan onboarding process

Learn how focusing on achieving marginal gains in the customer onboarding process has the potential to transform the lending industry.

principle 6

Checklist: Embracing FCA’s Principle 6 by Design

The FCA’s Principle 6 - 'A firm must pay due regard to the interests of its customers and treat them fairly.' Compliance or culture?The lenders’ balancing actConsumer lending today is hard. In addition to the competition that exists in any financial services segment,...
Breathing Space

Announcing The Arrival of Breathing Space

Today’s arrival of the Breathing space should be celebrated.

Vulnerability – How Effective Are Digital Customer Journeys?

When potential vulnerability is identified, what are effective mitigation strategies? How do we give lenders more tools than decline?

credit risk

Managing And Monitoring Credit Risk After The COVID-19 Pandemic

The pandemic-triggered recession has led banks to move more quickly to build real-time data and analytics into their credit-decision engines.