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🔄 Programmable payments and financial insights are the next stage of open banking We see programmable payments and financial insights as where open banking will go next. AI agents are already researching and making purchases on people’s behalf. But to act for someone, an agent needs guardrails it can act within and an accurate picture of that person’s finances to make decisions from. That is what we are building. Programmable payments and financial insights are where open banking payments and data solutions go next. Read here: https://lnkd.in/eepGQsPh #programmablepayments #financialinsights #openbanking #payments

Six in ten customers showing signs of vulnerability haven't told their provider. That's from the FCA's own research. Most people who are struggling don't ring up and say so. They just start doing things differently: dipping into the overdraft earlier in the month, missing a direct debit, borrowing to cover bills. That shows up in their bank account long before it becomes a missed payment. With the customer's consent, lenders can see it too, and step in while there's still time to help. We're getting into exactly this on 3 November. Sign up here: https://lnkd.in/gb_cyxw4

In the world of Open Banking, Commercial Variable Recurring Payments (cVRP) is constantly being compared to Direct Debit, but I think where it will really change things is at the e-commerce checkout Letting returning customers pay with one click Pay by Bank without needing to re-authenticate each time will be a game changer, but it's taking too long to reach its ideal use case. I'm asking for two things: - HM Treasury to use the Budget on 28 October to confirm the legislation for Wave 2 with a firm date, because that’s when ecommerce comes into scope, and cVRP can reach its full potential. And - cVRP needs to be ready for agentic payments, which it isn’t currently on course to be. Today, a cVRP consent (mandate) covers a single merchant and can’t show when an agent made a purchase, so UKPI and the FCA need to build agent-readiness in from the start. Read more in the first of a short series that i'm calling "money that thinks": https://lnkd.in/eT4fiKdQ #cvrp #openbanking #programmablepayments Yapily

There’s not much time left to register for our webinar on 3 November at 2pm GMT, it’s a conversation well worth joining. I’ll be moderating a great panel of experts from across lending, financial wellbeing and banking as we explore how the industry can better support customers before they reach financial distress. We’ll discuss: 🔹 Why only 4 in 10 struggling customers disclose their situation. 🔹 How live financial data can help lenders identify vulnerability earlier. 🔹 What the FCA expects when customers face financial difficulty. Joining us on the 3rd is: 🎤 Savannah Price, Founder & CEO, Serene 🎤 Christopher Bosworth, Founder, Finclusion 🎤 Tom Layzell, Head of Restore Financial Health, NatWest The focus is on practical insights and how lenders can move beyond reacting to missed payments to identifying risk earlier and providing support when it matters most. 📅 3 November 2026 | 2pm GMT ⏳ Time is running out — get your registration in now! 👉 Register here: https://lnkd.in/ereSf2nH #Lending #ConsumerDuty #FinancialWellbeing #Fintech

A missed payment is usually the first time a lender finds out a customer is struggling. By then, the options to help are already narrower. That's the gap our next webinar is tackling. Yapily is hosting a panel on how lenders can spot financial vulnerability earlier, using monitoring and financial data rather than waiting for customers to come forward. A lot of the lenders I speak to are looking at this through Consumer Duty, so the panel will also cover what the FCA now expects, including for BNPL providers beyond the point of sale. Joining Jason O'Shaughnessy: 🎤 Savannah Price, Founder & CEO, Serene 🎤 Christopher Bosworth , Founder, Finclusion 🎤 Tom Layzell, Head of Restore Financial Health, NatWest If you work in lending, credit risk or collections, it's well worth joining. 📅 Tuesday 3 November, 2pm GMT 👉 https://lnkd.in/ereSf2nH

Before the missed payment: Spotting Vulnerable Borrowers What if lenders could identify signs of financial vulnerability before a customer misses a payment? That’s the conversation we’ll be having on 3 November at 2pm GMT, as I’ll be moderating a great panel of industry experts from across lending, financial wellbeing and banking. We’ll explore: • What lenders can do when only 4 in 10 struggling customers disclose their situation. • What Consumer Duty means for BNPL providers beyond the point of sale. • How lenders can use monitoring and financial data to identify vulnerability earlier. • What the FCA expects from lenders when it comes to supporting customers in financial difficulty. I’ll be joined by: 🎤 Savannah Price, Founder & CEO, Serene 🎤 Christopher Bosworth, Founder, Finclusion 🎤 Tom Layzell, Head of Restore Financial Health, NatWest I’m looking forward to moderating what should be a really practical discussion on how the lending industry can better support customers before they reach the point of financial distress. 📅 3 November 2026 ⏰ 2pm GMT 👉 Join us for the webinar: https://lnkd.in/ereSf2nH