Beyond the SFS: Assessing affordability in today’s financial reality
30
11:30 AM - 12:15 PM
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 and solutions to improve affordability outcomes for you and your customers.
Speakers
Graeme Sands
Head of Retail Banking
Graeme is a financial services professional operating at executive and board level with a 360-degree view of the industry. He is responsible for Virgin Money’s secured lending, personal banking, marketing and customer-facing digital.
Suzanne Homewood
Managing Director at Moneyhub
Suzanne is MD of Moneyhub's Decisioning Division. Moneyhub uses data insights and modelling products to help organisations identify vulnerability, ensure affordability, and offer the right products to the right people through suitability and eligibility.
Mark Porter
Head of Collections at Capital on Tap
Mark is the Head of Collections at Capital on Tap, a rapidly growing company focusing on small business credit. He is recognised for his energetic and enthusiastic team leadership, with a proven track record of bringing digital transformation to previously manual processes.
James Hill
CEO @ Flexys
James is the CEO of Flexys. Flexys is revolutionising the debt management industry with cutting-edge collections technology, delivering transformative outcomes for our clients and their customers.
Replays
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11:30 AM - 12:15 PM