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

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.