OSB Group has entered into a multi-term partnership with fintech Paylink Solutions.

Utilising Paylink’s Embark application and using open banking, customers will be able to pre-populate their budget using the Embark application. Through its multi-brand functionality, OSB Group have affordability workflows in place for five lending brands and will utilise Embark’s data end points to automate the assessment process and tasks.

Further specialist support will also be available through Embark’s integration with free debt advice provider PayPlan. This means customers needing free debt advice will be able to access PayPlan’s support through a wide variety of channels, including Live Chat or via a call back.

With consent, PayPlan can access a customer’s income and expenditure (I&E) information and review their financial circumstances in real-time.

The Embark system is multifunctional and staff will have access to all its elements. Embark can be utilised by agents when going down the more traditional call route still required by some customers.

Andrew Alder, director of development and partnerships, Paylink Solutions, said: “We’re delighted to be working with OSB Group who have made a significant investment in supporting their staff and customers – as the impact of increasing cost of living on consumer’s increases, this couldn’t have been done at a better time.”

Tony Botteley, group director of collections and servicing, OSB Group, added: “Embark has helped us streamline our processes and better understand our customer’s individual needs, while improving operational efficiency.

“The integration of free debt advice was a particularly important factor, given the current economic climate and helps us offer our impacted customers tailored support.”