Flexys optimises debt management for businesses and their customers. It does this by empowering collections teams to make informed decisions in fast-changing economic situations. Through easy-to-use technology, Flexys reduces operational stress, strengthens customer relations, and maximises collection rates.

Flexys

Are traditional affordability models keeping pace with today's financial volatility and customer expectations?

Countless hours are spent completing and analysing I\&E forms, trying to piece together an accurate picture of customers' financial situations.

It's 2025, and let's be honest - there has to be a better way.

A combination of customer expectation and technology is fundamentally changing how we approach affordability assessments and transforming our industry.

Our panel of industry experts discuss what best-practice affordability assessment looks like today:

*   Accuracy vs customer experience: how detailed should affordability assessments be without creating excessive friction?
*   How can we design affordability assessments that account for irregular income patterns?
*   What tools are most effective in automating and improving the accuracy of affordability evaluations?
*   How might emerging financial technologies further transform affordability assessments in the next 3-5 years?

Join us for a timely exploration of approaches to improve affordability outcomes for you and your customers.


Beyond the SFS: Assessing affordability in today’s financial reality

In this episode, James talks with Mark McAlpine, a non-executive director at Capital Credit Union and CEO of Not the Odd One Out.

Mark discusses his work in transforming the UK financial services landscape through innovation and collaboration, particularly focusing on credit unions.

He highlights the unique challenges and opportunities within the sector, emphasising the need for digital transformation and shared services.

Mark envisions a future where credit unions offer a Neobank-like experience, reinvesting profits into local communities. This insightful conversation sheds light on the evolving role of credit unions in financial inclusion.


Transforming credit unions, collaboration and financial inclusion: Flexys meets Not the Odd One Out

In this episode, we’re joined by Bob Winnington, CEO of the Money Advice Liaison Group (MALG). We explore the future of debt advice, ethical lending, and the role of technology in improving outcomes. We discuss industry collaboration, regulatory shifts, and the challenges of scaling debt support solutions. Tune in for expert insights on driving innovation while keeping customers at the heart of financial services.


Financial vulnerability, innovation & the future of debt support: Flexys meets MALG

In this episode, James sits down with Savannah Price, Founder and CEO of Serene, to explore how AI and behavioural insights are transforming the way businesses identify and support vulnerable customers — before financial distress escalates.

Savannah shares her unconventional journey from geology to fintech, the personal experiences that inspired Serene, and how her company is reshaping the way firms approach consumer vulnerability. They discuss the challenges of balancing compliance, customer well-being, and commercial success, as well as the evolving role of AI in ethical and proactive decision-making.

If you're interested in the future of fintech, AI-driven consumer protection, and how businesses can turn vulnerability management into a competitive advantage, grab a cuppa and enjoy the episode!


Using AI to identify vulnerability, fostering trust and making data-driven decisions: Flexys meets Serene

In this Flexys Meets episode, James Hill talks with Andrew Davies, CMO of Paddle, about enabling software companies to go global. Andrew explains how Paddle handles payments, fraud, and international regulations, allowing businesses to focus on growth. They also discuss the competitive software landscape and Paddle’s data-driven approach to helping clients expand. Discover how Paddle supports over 4,500 businesses in reaching a worldwide audience.


Growth, internationalisation challenges and customer-centric product development: Flexys meets Paddle

In this episode of *Flexys Meets*, host James Hill sits down with Ben Goldin, founder and CEO of Plumery, to discuss how financial institutions can modernise digital banking experiences. Ben shares insights on the challenges traditional banks face, including legacy systems, slow innovation processes, and regulatory constraints.

He explains Plumery’s unique *buy plus build* approach, enabling banks to accelerate transformation while maintaining flexibility and differentiation. The conversation delves into AI-driven personalisation, the limitations of traditional RFPs, and the evolving expectations of digital-first consumers.

Ben also reveals his vision for democratising advanced banking technology and shares what he would change to help banks innovate faster. Tune in to gain expert perspectives on the future of digital banking and the strategies that can drive real transformation.


Buy To Build, AI personalisation and evolving expectations: Flexys meets Plumery

Identifying customers in financial difficulty before they fall into arrears means you can take tangible measures early, reducing risk and costs, as well as building trust. This aligns with Consumer Duty, which requires firms to prevent foreseeable harm and empower customers to make well-informed decisions.

Join our expert panel as they discuss...

*   Identifying customers at risk.
*   Building an effective pre-arrears toolkit.
*   Practical customer support measures to help avoid arrears.
*   Measuring success and overcoming challenges.


Prevention is better than cure: how to spot and support customers approaching arrears

In this episode, James sits down with Steven Darrah, CEO and founder of Fuelled, a tech-driven insurance brokerage revolutionising how businesses handle their coverage.

Steven shares insights into Fuelled’s mission to modernise the outdated insurance industry with dynamic, data-driven solutions tailored to growing companies.

Explore how Fuelled is using technology to simplify processes, support scaling businesses, and navigate economic uncertainties. Join us for a conversation brimming with innovation and inspiration.


Data-driven solutions, business growth and disrupting insurance: Flexys meets Fuelled

In this episode of *Flexys Meets*, host James Hill interviews Reuben Gates, Growth and Marketing Director at Arum, the UK’s largest independent collections and recoveries consultancy. Reuben discusses Arum’s unique approach, leveraging industry practitioners to deliver pragmatic, tailored solutions for clients across 20 countries.

He highlights Arum’s dual expertise in consultancy and technology, including its exclusive accreditation program for collections systems.

Reuben identifies key industry challenges, including regulatory pressures, outdated technology, and the need for efficient system implementations. He emphasises the importance of planning, expert teams, and openness to external support to drive better outcomes for clients and their customers.


Collections tech, regulation and avoiding implementation pitfalls: Flexys meets Arum

Debt collection is evolving, and expectations from business customers are changing. Regulators calling for a more nuanced approach to commercial debt recovery.

In utilities, Ofwat's 2024 Price Review (PR24) will introduce a new metric for business customer experience, while Ofgem has reassessed treatment of non-domestic customers.

The Lending Standards Board now requires lenders to implement systems capable of identifying and supporting businesses facing financial difficulties or vulnerable circumstances. They must demonstrate a consistent, sympathetic, and positive approach to their corporate customers.

As organisations adapt their strategies, what insights can the business sector glean from practices in consumer collections?

**During this session, our expert panel will discuss:**

*   How collecting from businesses is changing, and why
*   The increasing importance of customer experience in business collections
*   Effective strategies for providing a positive business customer experience


Customer Experience: What can B2B collections learn from B2C?

In this episode of Flexys Meets, James interviews Manu, co-founder of Inbest AI. Manu explains how Inbest's benefit calculator helps customers maximise their income by identifying eligible benefits, social tariffs, and grants.

He highlights the importance of integrating benefits into broader financial management solutions to improve customer engagement and compliance with FCA regulations. Manu also discusses the challenges and future of the benefits landscape, advocating for open APIs to streamline benefit applications and enhance customer experience.


Maximising benefits, driving engagement, and supporting vulnerable customers: Flexys meets Inbest

In this episode of "Flexys Meets," James interviews Frederico Venturieri, the Global Head of Partnerships, Marketing, and Go-to-Market at 10x Banking. They discuss 10x Banking's innovative core banking platform, founded by ex-Barclays CEO Anthony Jenkins in 2016. The company aims to make banking 10 times better.

They introduce the "metacore" concept to address legacy system migration challenges. 10x Banking focuses on modular, customisable solutions and partnerships with integrators like Deloitte to facilitate smoother banking transformations.
