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Ten UK Fintechs Brought Together By PwC to Show the Future of Banking is Personalisation

Ten of the UK’s leading fintechs have been brought together in an initiative by PwC which showcases how the future of banking will rely on collaboration and innovation, with personalisation at its heart.

Three years in the making, the 10 businesses have contributed to the firm’s ‘Tysl’ ecosystem which incorporates a number of solutions including software, automation, artificial intelligence, data management and analytics, among others.

These solutions make it easier for customers to open up bank accounts, obtain specialised finance, move house and even digitally sign documents.

By adopting an API-enabled approach, which allows different software applications to communicate with one another, Tysl has enabled these businesses to collaborate and innovate together with PwC to build a banking technology proposition that allows organisations to significantly improve performance across a range of key measures.

This includes tackling complex customer journeys such as advanced Customer Relationship Management (CRM), Know Your Customer (KYC), Credit Decisioning and in life account and loan servicing across a number of areas such as mortgages, savings and corporate lending.

Using Tysl, PwC is now able to quickly build new digital solutions via a modern, low cost and customer-centric digital lending platform. This in turn will help the firm’s clients transform their customer-facing operations, and enhance products and services to meet the speed and multi-channel expectations demanded in today’s world.

James Morgan, Lead Partner on Tysl said: “Banking is changing, people expect more and require personalised digital interactions. Based on the needs and expectations of tomorrow’s customers, we have developed our Tysl platform. This is helping our clients reach new customers, upsell and grow topline revenue by delivering enhanced capabilities whilst significantly reducing the costs of servicing the client from onboarding to in life servicing.”

The businesses currently integrated with the Tysl platform are:

Mambu – is a SaaS financial services platform powering innovation in banking, lending, deposits and more – a cloud-native alternative to legacy core banking systems.

Yoti – is a global identity platform that makes it easier and safer for banking customers to prove who they are using ID verification and biometrics

Kompli Global – developed an industry-leading, remote due diligence platform that harnesses AI and human expertise to deliver intelligence on organisations and their people.

DueDil – is a company insights provider helping financial services organisations and insurance firms better understand their customer base to facilitate digital onboarding, manage compliance, risk, and in-life monitoring.

Just Move In – provides a home setup experience for people moving home that arranges essential services including council tax, insurance and broadband.

SignNow – is a legally binding eSignature application, allows users to create and complete legally binding electronic signatures on any device.

Codat – connects the tools and services that small businesses need for their operations to their financial service providers and handles the heavy lifting of those integrations.

Flexys – is a specialist technology company aimed at improving the value and performance of debt management and collection systems with a low-code, cloud-native platform.

Saltedge – is a pioneer in developing PSD2-powered solutions that are used by fintechs, banks and other financial institutions globally. The company offers connectivity to 2500+ banks across the Europe for data aggregation and payment initiation capabilities – via one simple API.

Credit Kudos – Credit Kudos is an open banking credit reference agency that uses real-time financial behaviour to measure creditworthiness and affordability to assist lenders when unwriting both consumer and commercial loans.

Lendingmetrics – Auto Decision Platform (ADP) is a unique decision engine environment that can be applied across unlimited brands, products or lending journeys under one licence and provides a comprehensive (no-code) editor, allowing non-technical staff to make real-time changes to credit risk logic

Gazeal – enables the seller of a property to give the details needed to satisfy the estate agent’s Consumer Protection Regulations requirements, and, as a Licensed Provider of the Law Society, all of the requirements of the Conveyancing Quality Scheme, By using Gazeal’s unique reservation service, it will almost completely eliminate abortive transactions.


  • Polly is a journalist, content creator and general opinion holder from North Wales. She has written for a number of publications, usually hovering around the topics of fintech, tech, lifestyle and body positivity.

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