Financial inclusion in an age of uncertainty

Turning unpredictable incomes into
predictable returns

The standard worker with a fixed monthly payday is no longer the default in the UK. Today, 25 million people are affected by income unpredictability, from freelancers and gig workers to 'job-hopping' Gen Z-ers. While these borrowers are often creditworthy, they are systemically excluded by 20th-century technology rails that demand rigid, fixed-date repayments.

In this whitepaper, we explore the missed opportunity by countless lenders to grow their distribution into less predictable customer segments, mainly due to lack of collections capability.

Inside this whitepaper, you will find:‍

‍The £2 Billion Opportunity: Why lenders are leaving massive revenue on the table by failing to score and service "thin file" but economically active customers. 

‍The Regulatory Imperative: A breakdown of how rigid repayment structures can drive foreseeable harm and how to align with Consumer Duty mandates. 

‍The Future of Lending: A look at "Pay As You Earn" models and smart underwriting that turns income volatility into a competitive advantage. 

‍Closing the Servicing Gap: How to modernise your operational infrastructure to handle erratic cash flows without the integration headache.