Kelvin Malayapillay

Traditional credit scores are outdated and offer a very limited picture of what people can actually afford right now and in the future. As a result, many of these people fall into the trap of short-term, high-cost credit or predatory lending that only provide stop-gaps, not solutions. It’s time for a better, more inclusive way to lend. Which is where we come in. Plend is an open-data lender that provides affordable and longer-term loans to our customers across the UK. Our bespoke technology, The PLEND Score® assess borrowers affordability rather than solely relying on the credit score - making our product more accessible, accurate and cheaper. The PLEND Score® uses open banking to assess a wider range of real customer data, accurately measuring affordability based on tangible figures and patterns. In this way, we are able to provide a more inclusive way to lend, offering a fair alternative to the existing loan landscape, not just for those with black marks against their credit reports, but for everyone. Backed by Nationwide Building Society, Active Partners, Fair By Design, Tomahawk.VC, DD Venture Capital and Haatch Ventures To find out more, visit us at www.plend.com or follow us on Instagram at @plend.uk Authorised and regulated by the Financial Conduct Authority: FRN 963328

Credit Kudos is an Open Banking credit reference agency. We help credit providers make better decisions using better data. Built on top of Open Banking data, our suite of innovative products enable commercial and consumer lenders to automate decisioning, responsibly increase acceptances, and reduce risk. Credit Kudos is authorised by the Financial Conduct Authority and integrated with leading lenders and brokers, including Curve, Admiral, Atom bank, LendInvest, and CarFinance 247.

Collective cover by Laka We exist to rewrite the rules of insurance so it’s something people stand with, not against. That’s why we’re building a collective that gets stronger as it grows, covering each other as we fight against the broken and archaic in the pursuit of better. For press and media inquiries, please contact: press@laka.co

Traditional credit scores are outdated and offer a very limited picture of what people can actually afford right now and in the future. As a result, many of these people fall into the trap of short-term, high-cost credit or predatory lending that only provide stop-gaps, not solutions. It’s time for a better, more inclusive way to lend. Which is where we come in. Plend is an open-data lender that provides affordable and longer-term loans to our customers across the UK. Our bespoke technology, The PLEND Score® assess borrowers affordability rather than solely relying on the credit score - making our product more accessible, accurate and cheaper. The PLEND Score® uses open banking to assess a wider range of real customer data, accurately measuring affordability based on tangible figures and patterns. In this way, we are able to provide a more inclusive way to lend, offering a fair alternative to the existing loan landscape, not just for those with black marks against their credit reports, but for everyone. Backed by Nationwide Building Society, Active Partners, Fair By Design, Tomahawk.VC, DD Venture Capital and Haatch Ventures To find out more, visit us at www.plend.com or follow us on Instagram at @plend.uk Authorised and regulated by the Financial Conduct Authority: FRN 963328

We are management consultants accelerating net zero and wider sustainability by providing our clients with a clear business case and strategic foundation. More specifically we anchor the net zero rationale with a few key questions: How will your business model change in a net zero economy? Where is the value and what are the commercial implications? What can you contribute to the net zero transition to find additional purpose and growth ? We also help organisations mobilise for net zero impact from operations to boardroom, and support capability building on carbon and energy management, renewables sourcing, operational efficiencies and wider sustainability questions such as biodiversity. We help embed sustainability in the business reporting governance and processes, from reporting to selecting the right market frameworks and accreditations. Our entire approach prioritises actual impact over box ticking and compliance, so are clients get ahead of fast moving market standards and truly differentiate.

Credit Kudos is an Open Banking credit reference agency. We help credit providers make better decisions using better data. Built on top of Open Banking data, our suite of innovative products enable commercial and consumer lenders to automate decisioning, responsibly increase acceptances, and reduce risk. Credit Kudos is authorised by the Financial Conduct Authority and integrated with leading lenders and brokers, including Curve, Admiral, Atom bank, LendInvest, and CarFinance 247.

Collective cover by Laka We exist to rewrite the rules of insurance so it’s something people stand with, not against. That’s why we’re building a collective that gets stronger as it grows, covering each other as we fight against the broken and archaic in the pursuit of better. For press and media inquiries, please contact: press@laka.co

At Capital One, were making things better for our customers and associates through innovation and collaboration. We were founded on the belief that everyone deserves financial freedom—and are dedicated to a world where all have equal opportunity to prosper. Banking is in our DNA, but we are so much more than a bank. We always think about what’s next—and how we can bring our customers the tools needed to improve their financial lives. Your ideas, experiences and skills will help make banking better. You’ll be part of a supportive culture while earning amazing benefits. That’s life at Capital One. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. View our Social Media Community Guidelines https://www.capitalone.com/digital/social-media/