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Blogs and Insights
Inicio Insights – The Barrier to Demo is Dead
As AI tools make prototyping easier than ever, the real challenge in regulated industries is no longer building a demo, it is launching something trusted, governed and operationally robust. This insight paper explores why deployment, oversight and confidence are becoming the real competitive barriers in regulated AI.
Blog – AI Affordability Assessments and Consumer Duty
The FCA has raised the bar on Consumer Duty. Discover how AI affordability assessments can help lenders evidence the Consumer Understanding outcome.
Blog -Setting a New Standard in Motor Finance
The motor finance sector is changing. Discover how AI affordability assessments are helping motor finance lenders build responsible lending from the outset.
Blog – Customer capacity fluctuates daily – systems rarely do
Amani Darr has in-depth experience in financial services as a vulnerability specialist. Here he looks at rigid systems v’s vulnerable customer capacity. .
Blog – Energy Debt Landscape is Resetting
Caroline Walton talks about the UK energy sector entering a pivotal moment. After years mounting pressure, regulators are signalling a change.
Blog – The commercial case for robust income & expenditure assessments
Caroline Walton talks about the commercial case for robust affordability assessments versus seeing them as just a regulatory obligation.
Blog – The role of AI in financial services
Caroline Walton covers AI in Financial Services, why it’s here to stay and trialling its capabilities to improve productivity and customer outcomes.
Blog – FCA Enforcement – Lessons from Historic Cases
Over the last 18 months the FCA has concluded enforcement action related to how customers in financial difficulty were treated in the past.
Blog – Affordability using AI
Why Inicio?We are focused entirely on affordability and specifically the completion of Income and Expenditure (I&E) forms. We obsess over consumer engagement and experience to ensure you get the...
Blog – Just Blue Monday?
Sorry for such a bleak opening line, but...The challenges businesses in the debt industry faced in 2024 are not going to get any easier in 2025:And commission rates and commercial models will...
Blog – Budgets, Rule Books & Balance Sheets
Consumers deserve better.Earlier last week the FCA’s revised policy on how we strengthen the protections for borrowers in financial difficulty came into force. Everything in the revised guidance...
