Helping consumers exit the high interest revolving credit trap
Helping over leveraged and vulnerable consumers to manage their finances with tools designed to reduce cognitive load by using assisted budgeting, AI powered cash management and ethical lending solutions.

A note from our CEO

A very challenging year for lots of people. I wanted to reach out to those of you who are struggling financially as a result of Covid-19 and to those who were in difficulty prior to this year.

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Fairer Finance Winner

Mark Fisher..."It is with great pride that I am announcing Finexos has won the 2020 Fairer Finance Hackathon. It is testimony to the hard work and vision of the team at Finexos."

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Why do we exist?

Finexos has a deep understanding of the issues facing financially constrained consumers. We have been researching the credit market for more than four years, tracking the increases in unsecured credit, insolvency levels and the rise of mental health issues associated with money worries.

Finexos has put the consumer at the heart of everything we do. We understand how high interest revolving debt is driving millions of individuals towards ‘cashflow poverty’.

Our mission is to help those consumers regain control of their finances and alleviate the stress caused by a lack of knowledge around how money and credit works.

We have developed a unique approach that enables us to partner with ethical mainstream financial institutions, fintech’s and social partners to meet the requirements of vulnerable and over-leveraged consumers. Our comprehensive strategy includes the development of mission specific technology and ethical lending solutions capable of providing support to those consumers with fewer financial options and poor social mobility.

Our Core Values and Objectives

  1. The consumer is at the heart of everything we do
  2. Repair the credit profiles of vulnerable consumers and move them from high-interest sub-prime credit to prime rates of credit over time
  3. Provide consumers with the tools to manage their money better, improve financial wellbeing and increase social mobility

What do we do?

Finexos has developed a unique way of identifying consumers who are financially constrained, over-leveraged and at risk. We use this intelligence to design solutions based on quantitative and behavioral analytics whereby we can make a compelling case for financial institutions to restructure an individual’s debt, provide ongoing support, whilst maintaining profitability and reducing risk for the lending institution.

We are designed to partner with any type of financial institution with current account and lending customers. Our priorities are to help our financial institutions meet the Financial Conduct Authority’s current and future duty of care obligations, and to improve the financial position and social mobility of individuals by providing them with tailored structured credit products and technology led tools to manage their finances better.

Through our use of our innovative technology we expect to help individuals exit out of high-interest sub-prime debt.

How are we doing it?

Finexos has put together an innovative team of world-class experts who are passionate about improving the lives of consumers.

Our team has:
  1. Leading world experts in their fields
  2. In-depth knowledge of the consumers we intend to support
  3. A track record of delivering advanced technology solutions in related fields
  4. Unique capability in their field of technology and finance
  5. A transparent and ethical approach to working with partners and consumers

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The Problem

Our Solution