Author: provenirmulti
Roundtable: Managing and Mitigating the Growing Debt Bubble
Roundtable: Managing and Mitigating the
Growing Debt Bubble
- 19th November, 2025
- 11:45 AM – 3:00 PM
- Great Northern Hotel
Pancras Rd, London N1C 4TB – England
Key Discussion Points:
- Managing and Mitigating the Growing Debt Bubble:
Addressing the challenges of rising debt levels and their impact on businesses. - Delivering a Gen Z Customer Experience:
Meeting the expectations of a generation that values speed, convenience, and personalisation. - Achieving the Seemingly Impossible:
Strategies for enhancing customer experience while simultaneously reducing operational costs.
11:45 AM – Arrival and welcome drink
- 12:00 PM – Keynote
- 12:30 PM – Roundtable discussion and three-course lunch
- 3:00 PM – Official close and summary
SPEAKER
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Make More Accurate Fraud Risk Decisions – With AI-Powered Intelligence
Make More Accurate Fraud Risk Decisions
With AI-Powered Intelligence
Prevent Fraud, Reduce Risk, and Approve Customers with Confidence.
Fraudsters are getting smarter—so should your fraud decisioning. Provenir’s AI-Powered Decisioning Platform enables you to build the most comprehensive view of your customers by orchestrating the right fraud data at the right time. Consolidate data sources into a single stream of usable insights, eliminate silos, and make faster, smarter fraud risk decisions with real-time AI-driven intelligence.
With seamless integrations, dynamic risk modeling, and adaptive fraud detection, our platform ensures you can approve more genuine customers while stopping fraud in its tracks.
Are you ready to stay ahead of evolving fraud threats and drive sustainable business growth?
Schedule a Demo
FORM…
What Provenir Has to Offer:
Orchestrate Fraud Data Efficiently
Execute Smarter Fraud Screening with Advanced Analytics and AI
Eliminate Siloed Environments
Why Choose Provenir?
Fast
Faster, Smarter Application Fraud Prevention
with AI-driven real-time decisioningSeamless
Seamless Data Orchestration
easily integrate multiple fraud, identity, and credit data sourcesAnalytics
Advanced Analytics and AI
build sophisticated and dynamic fraud detection strategies you controlScalable
Scalable and Agile
Adapt to emerging fraud threats with a flexible, low-code platformGrowth
Reduce Losses, Maximize Growth
Minimize false positives while approving more genuine customers
Protect Your Business from Fraud.
Atom Bank Selects Provenir for Risk Decisioning and Data Orchestration
Atom Bank Selects Provenir for Risk Decisioning and Data Orchestration
The UK’s first app-based bank to deploy Provenir’s award-winning AI Decisioning Platform to support multiple consumer and business banking products
Parsippany, NJ – April 28, 2025 – Provenir, a global leader in AI risk decisioning software, today announced Atom Bank has selected the Provenir AI Decisioning Platform to streamline and modernize credit risk decisioning and data orchestration.
Atom Bank launched operations in April 2016 as the UK’s first app-based bank, offering mortgages and savings through its app, as well as secured business lending for small and medium-sized enterprises. It is currently the highest rated UK bank, savings bank and mortgage lender on Trustpilot.
With Provenir’s AI Decisioning Platform, Atom Bank is streamlining its data orchestration and decisioning in the areas of credit, fraud, and identity, across its residential mortgage, business banking secured lending, consumer savings, and Buy-to-let mortgages offerings.
“Atom Bank provides simple, well-designed mortgages and savings products that deliver ease, speed and value right to your device. As our customer base and operations continue to grow, our adoption of Provenir’s AI Decisioning Platform will reduce the complexities of managing multiple risk decisioning platforms while supporting our commitment to exceptional customer experience…Provenir demonstrated a deep understanding of what we were looking for in a modern, all-in-one decisioning and data solution that could scale to meet our growth plans.”
“We’re proud to partner with Atom Bank, which has quickly become one of the most innovative and successful challenger banks in the U.K.,” said Mark Collingwood, Vice President Sales Europe at Provenir. “Our AI-Decisioning Platform will help Atom Bank achieve its business objectives and customer experience aspirations to support its goal of being ‘the most customer-centric bank on the planet.’”
Provenir’s AI Decisioning Platform brings together the power of decisioning, data, and decision intelligence to drive smarter decisions. This unique offering gives organizations the ability to power decisioning innovation across the full customer lifecycle, driving improvements in customer experience, best-in-class fraud prevention, access to financial services, business agility, and more.
Atom Bank is the UK’s first app-based bank, on a mission to make the experience of borrowing and saving faster, simpler and better value than anyone else.
The bank launched operations in April 2016, and offers award-winning mortgages and savings through its app, alongside secured business lending for small and medium-sized enterprises.
Based in the North East of England with a team of over 500 people, Atom is here to change banking for the good, for the better, and for everyone. This means focusing on customers’ needs, delivering better value than the incumbents, providing an exceptional app-based experience and offering award-winning customer support via phone, chat, email and social channels. The bank has some of the best customer service credentials in the UK, having achieved 5-star ratings on both the iOS and Android App Stores, and on Trustpilot, whilst consistently delivering Net Promoter Scores (NPS) in the high 80s.
Based in Durham, Atom is an engaged and active member of the North East Community. In 2022 Atom signed a five-year Memorandum of Understanding with Durham University to progress key research and diversity initiatives. The region has one of the highest levels of youth unemployment in the UK and Atom is passionate about addressing the critical digital skills gap and helping develop young people and other groups that are under-represented within the industry.
As of November 2021, all employees enjoy a four-day working week, after Atom became the largest company – and only bank – in Britain to introduce the policy for all employees, with no reduction in salary.
The Atom executive team are highly experienced, having built and run some of the most well-respected banks in the UK. CEO Mark Mullen has 30 years’ experience in the sector and was previously CEO at the multi- award-winning telephone and internet bank first direct. The team is supported by a strong non-exec board, chaired by Lee Rochford.
The Summer Skyline (UK)
The Summer Skyline (UK)
Exclusive rooftop networking event hosted by Provenir
- Tuesday, 1st July 2025
- 5:00 pm – 8:00 pm
- Provenir Roof Terrace
Platform Building New Station Street, Leeds, LS1 4JB, UK
Join us this July for The Summer Skyline Event — a relaxed evening of wine tasting, light bites, and meaningful connections high above the heart of Leeds.
Set on Provenir’s private roof terrace, this event brings together professionals and peers from across the industry for an unforgettable summer evening of conversation and city views.
What to Expect
- A curated wine tasting experience
- Informal networking with professionals across the industry
- Panoramic rooftop views of Leeds
- Seasonal light bites and refreshments
Whether you’re reconnecting or making new connections, The Summer Skyline offers the perfect blend of atmosphere and opportunity.
We are hoping for a warm summer’s evening, but we have a backup plan to ensure that rain won’t dampen it!
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MOGOPLUS
Partner
MOGOPLUS
AI led Insights-as-a-service for supporting lending decisions
Key Benefits
- Lower cost of origination – Specialising in making sense of raw, unstructured data, our solutions provide fast and accurate data categorisation and verification insights which reduce manual efforts and loan origination costs significantly. Make better decisions with confidence.
- Quicker Time to Decision – Our data agnostic, intelligent insight solutions are easily accessed via plug and play APIs. Our different insights configurations serve specific use cases such as Income Verification, Affordability, Serviceability, Vulnerability, Hardship and Collections. We focus on enabling instant decisioning and straight through processing outcomes.
- Proactive customer engagement and experience – Understand the true behaviour behind your customers data with intelligent insights. Identify opportunities for new levels of personalisation and pro-active customer engagement with consent-based data exchange that increases loyalty and customer experience.
- Reduced risk – Lower risk at both the origination layer and the post settlement loan servicing stage. Utilise predictive insights and analytics to identify areas like loan stress, vulnerability and hardship. Make proactive ‘next best actions’ with your customers to prevent hardship stress and costs.
“With MOGOPLUS, our credit assessment processes are now producing quicker decisions, more accurate assessments and a low friction member experience. As a small mutual we have found the solution highly beneficial for both our staff and our members.”
Optimise your lending decisions with intelligent data insights
Resources
GoCat
Fast, Accurate, and Secure Data Categorisation for Credit Decisioning- Data categorization
- Category groups, Transaction amount, Total amount, Monthly average
GoVerify
Comprehensive Financial Profiling and Employer Income Verification- Income verification
- Employer match
- Income buckets
- Recency and regularity of income parameters
GoLend
Streamlining Serviceability Assessments with Meaningful Analytics for Lending- Credit decisioning insights focusing on affordability and serviceability metrics
- Time based Net Monthly Position
- Reliability measures of income data
GoAssist
Data rich solution for supporting vulnerable, distressed or collections based customer engagements- Descriptive and predictive analytics
- Personalized borrower assistance post loan settlement
- Continuous Credit Monitoring capability
GoSwitch
Collects and structures biller and payee data for seamless new customer account opening- Seamless provider switching
Leeds Digital Charity Ball 2025
Leeds Digital Charity Ball 2025
An Evening to Celebrate, Support, and Give Back
- Thursday, 12th June 2025
- Pre-event Reception at 6:00 PM
The Queens Bar & Restaurant, The Queens Hotel, Leeds
Main Event at 7:00 PM
Royal Armouries Museum, New Dock Hall, Leeds - Black Tie | Glamorous & Elegant
- Welcome Drinks – Enjoy a drink and network with fellow guests as the evening begins.
- Three-Course Dinner – Indulge in a delicious gourmet three-course meal, designed to delight.
- Charity Auction – Bid on exclusive items and unique experiences, with all proceeds supporting digital inclusion efforts.
- Live Music & Dancing – Dance the night away with a fantastic live band, all while raising funds for a great cause.
The Leeds Digital Charity Ball is more than just a gala—it’s a chance to directly impact the lives of those in our city who are most in need of digital access and skills. The funds raised will support projects that provide essential resources to help bridge the digital divide, offering opportunities for education, skills development, and connectivity to those who need it most.
Let’s make 2025 the biggest year yet! Your participation will help fund digital inclusion projects that are changing lives across Leeds. We hope you’ll join us in supporting this worthy cause.
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Top 5 Trends Financial Institutions Need to Navigate in 2025
Top 5 Trends Financial Institutions Need
to Navigate in 2025
Top 5 Trends in 2025
NEWS: A technology-driven approach puts the brakes on auto-lending fraud
A technology-driven approach puts the brakes on auto-lending fraud
As fraud continues to surge across the auto lending space, lenders are turning to technology-driven solutions to protect their portfolios and customers. In this Auto Fin Journal article, we explore how real-time data, AI, and intelligent decisioning are redefining fraud prevention — enabling auto lenders to move faster, detect threats earlier, and make smarter, more confident decisions.
Technology-driven approach puts the brakes on auto-lending fraud
Customer Story: Atom
Founded in 2014, Atom bank is the UK’s first app-based bank and the first digital-only bank to be granted a full regulatory licence. Headquartered in the North East of England, Atom has grown to a team of over 500 people, united by a mission to change banking for good.
As one of the fastest-growing lenders in the UK, Atom leverages cutting-edge technology to deliver simple, transparent, and customer-first financial products. The bank’s strategic focus spans key areas including tackling affordability concerns, improving business efficiency, and driving a centralised technology vision. Alongside robust delinquency management and a strong emphasis on Net Interest Margin (NIM), Atom is committed to embedding Environmental, Social, and Governance (ESG) principles at the heart of its operations.
Atom bank continues to challenge the status quo, combining innovation with purpose to build a better, fairer banking experience.
- Industry
- Region
- Countries
UK & Ireland
- Line of Business
- Solution
- Module
- Infrastructure
- ROI
- Competition
Land PS: $384K
Expand MRR: $60K
- Opportunity CreatedMarch 2023/RFP March 2024
- Opportunity WonOctober 2024
- Go-LiveEnd April 2025
- Customer Expansion
- Subscription Service (Presented Option)
- Collections (Discussed not costed)
- Account Management/Upsell
- Future Products – Loans/Cards
Customer Challenge
- Existing solution due to be EOL
- Looking for technology enabler to support planned growth in scale and markets
- Option to deploy new products and services without dependency on 3rd party vendors
- Keen to explore the value of new and emerging data sources
- Want to deploy the latest analytics innovation
- Simplify Underwriting process
- Improve customer experience
- Reduce Operational Cost to Serve
Provenir Approach
- Heavy face to face investment
- Nurtured 4 primary contacts, 2 Coaches
- Challenged to expand set of requirements
- Focused on perceived concerns – Migration Risk/ Ownership
- Upsold Vision of the future
- The Team – Delivery/Product/Pre-Sales/Sales
Provenir Impact
- Enhanced Decisioning
- Dynamic reassignment
- Improved business efficiency
- Increased automation
- Simplified Architecture
- Improved Customer Experience
- Extensible solution for Affordability
Competitors
TU & GDS, Experian, FICO, SAS, Lending MetricsWhy We Won
- Best RFP – Clear, concise and challenged our thinking
- Addressed Concerns – Loved the Hands on Workshop
- Understanding – Nobody understood us better than you
- Pricing – not cheapest but clear on the value add
- Demo’s – You made them relevant and tailored to us
- Engagement – Coached us versus pushing back
“Biggest, highest risk project they have ever done, became the easiest decision they have had to make” Procurement
Pain Points
- TBD