Embark - Comprehensive Affordability Assessments

Empower your customers to achieve their financial goals

Elevate your customer experience with our affordability tool, Embark! Instantly generate personalised financial questionnaires, boosting satisfaction and loyalty.

Empower your customers to achieve their financial goals

Elevate your customer experience with our affordability tool, Embark! Instantly generate personalised financial questionnaires, boosting satisfaction and loyalty.

Our integrations deliver exceptional performance and reliability

We’re set to significantly enhance the user experience through both improved completion rates and faster processing times. Our integrations facilitate a smoother, more intuitive user journey by automating income & expenditure, minimising manual input errors, and reducing tedious wait times.

Open Banking

Speed up the income & expenditure with Open Banking, allowing us to capture all items from your customers bank account.

CRA

Allow us to capture all your customers debt information. With a few clicks it gives us all the information we need.

PayPlan

Help your customers with free award-winning debt advice to restructure the payments to be more affordable.

InBest

Assist your customers in checking for unreceived benefits that they may be entitled to, amounting in an overall high expenditure.

Features

Capture vulnerability

Understanding your customers situation is really important so that you can offer them the help and support they need. That’s why Embark has a built-in vulnerability capture which sensitively handles information from your customers about any mental or physical impairments that may have.

Bulk upload

Simplify the process of inviting customers by using our bulk upload field which can be done manually or via API.

Branding

Customers trust your brand! Embark offers a fully branded application so your customers know they’re in good hands.

Comms

Educate customers by giving them an understanding and benefits of why they need to do something is important. Embark allows for default or custom communication strategies via either email or SMS to ensure your customers create and finish their budget.

Budget rules

Customers can often enter incorrect data by doing something as simple as accidentally clicking or tapping the wrong key. That’s why Embark has a ruling system that will prompt customers and agents to check the budget items are correct if they fall outside of the stated guidelines. Ultimately, driving accuracy of customers financial situations.

Experience the power of 23 dynamic default rules, customisable to fit your needs based on insights from ONS data or by using your own custom rules paired with your own content that meets to your tone of voice.

Workflow transfer

Allowing your customers to create their budgets at their convenience with any necessary assistance increases the likelihood of completion, leading to greater satisfaction and efficiency.

Embark enables seamless workflow transfer between customer and agent. If an agent is helping a customer with a workflow, they can easily transfer it back to the customer, ensuring a smooth and collaborative process.

Bespoke data

Receive real-time data via Amazon Quicksight to understand how your application is actually performing. Also, receive weekly or monthly data packs to dive deeper into the analytics of our affordability assessment tool.

Customer success manager

We believe in making your life as easy as possible. When you onboard with Embark, we provide you with a dedicated customer success manager to handle all your queries.

SFS RAG status

Ensure the Quality of the data your customers provide by pinpointing when they are outside of the recommended SFS guidelines.

Our results

Self-service journey

Completion rate:

81.9%

Median time:

20 mins

Agent led journey

Completion rate:

94.2%

Median time:

22 mins

Open banking journey

Completion rate:

83.2%

Median time:

14 mins

CRA journey

Completion rate:

89.7%

Median time:

15 mins

Self-service journey

Completion rate:

81.9%

Median time:

20 mins

Open banking journey

Completion rate:

83.2%

Median time:

14 mins

Agent led journey

Completion rate:

94.2%

Median time:

22 mins

CRA journey

Completion rate:

89.7%

Median time:

15 mins

Case studies

Paylink Solutions transforms payment experience for struggling customers through Pay by Bank

Fintech Paylink Solutions is supporting clients at free debt advice provider PayPlan by helping them move away from traditional card payments and towards Pay by

E-on Next Case Study

Background E.ON Next, part of the E.ON group, are committed to using more renewable electricity sources. At a time when consumers are struggling with increases

Virgin Money Case Study

Background Virgin Money (VM) wanted a digital affordability solution that could be used across all their consumer lending products following the coming together of VM,

Award-winning digital journeys for NatWest Group

The Challenge NatWest Group approached Paylink to develop end-to-end digital journeys segmented by product type, such as overdrafts, mortgages and credit cards. NatWest Group wanted

Kempton House, Kempton Way, Dysart Road, Grantham, NG31 7LE

The Embark service is provided by NYHAVN Ltd t/a Paylink *

The Refi service is provided by Paylink Solutions Limited and Paylink Outsource Services Ltd. Both companies are regulated by the Financial Conduct Authority, registration numbers 767995 and 680143 respectively.

* software provision is not specifically regulated by the FCA