Yapily

Google, NVIDIA and Yapily were on a panel to work through the question: What happens when the buyer is an agent? 🤖 Agentic commerce is moving fast, but many parts are still unresolved. At Money20/20, Emma Zaraisky (Google) and Dr. Jochen Papenbrock (NVIDIA) joined Yapily CEO Stefano Vaccino in a talk moderated by Jeff Tijssen (GROW), exploring where agentic commerce is actually heading and what needs to be done to get there. Four themes stood out 👇 1️⃣ Merchants need to start designing for a buyer that isn't human. 2️⃣ An agent is only as useful as the data it can access, and open banking is well-positioned for this use case. 3️⃣ Consent built for humans now has to hold up under constant, machine-driven activity. 4️⃣ Fragmented protocols and standards remain the biggest friction point slowing the industry down. Open banking already answers more of this than most people realise. 👉 Read the full breakdown, with clips from the panel here: https://lnkd.in/eGYavD3a #Money2020 #agenticcommerce #openbanking

Still chasing customers to activate the accounts they opened? ⏱️ In our new case study, find out how Allica Bank solved this issue using open banking for its Add Money product, alongside a second problem: slow, statement-based overdraft decisions. 💡 You'll learn: ✅ How Allica cut average time-to-fund from 20.46 days to 5.56 days (a 73% improvement). ✅ How open banking data gave underwriters a live, in-depth view of turnover, balances and debt commitments. ✅ How 72% of current overdraft applications now use the open banking integration. 🗣️ "Bringing funding into the Allica journey took average time-to-fund from over 20 days to under 6, and cut the manual follow-up our teams were doing to chase activation." — Tigana Sari, Product Owner, Allica Bank Read the full case study here: https://lnkd.in/evpmU6HZ #openbanking #creditdecisioning #banking

Small changes can make a big difference to the borrower experience. Asked which payment capability would add the most value to their lending proposition today. 38% of our webinar audience chose instant settlement after a decision. It's a sign that lenders are looking to build value well beyond origination, into how a loan is actually disbursed and repaid. Hear more about extending value beyond the point of origination in the full webinar: https://lnkd.in/eK6TtGyN #webinar #lending #SME

We asked lenders what's really holding back faster SME credit decisions.  The answer wasn't legacy systems or regulation. It was data. 65% of the audience pointed to data quality and enrichment as the biggest bottleneck. This highlights that as firms move towards automated decision-making, AI can only be as reliable as the data quality underneath it. Hear more about how Allica Bank are using AI in credit decisioning → https://lnkd.in/eK6TtGyN #SME #webianr #openbanking #lending #credit

A very warm welcome to those joining Yapily this month. 👋 We are pleased to have a new group of talented individuals join our team as we continue to grow. We are glad to have you on board and excited to see the contribution you will make. Welcome to the team. 👐

Is messy raw data slowing your credit decisioning processes? In our recent webinar on lending & credit, 44% of lending and credit teams named messy raw data as their biggest challenge, with another 26% pointing to inconsistent formats and quality. Put together, that's around seven in ten teams who see the issue sitting in the state of the data itself, rather than how quickly it arrives. Hear how the panel are approaching it in the full webinar: https://lnkd.in/eK6TtGyN #webinar #lending #credit

Doovay built its repayments engine on Yapily VRP, so collections retry through the day and only take payment when the money is actually there. Here's how Doovay founder Andy Winning puts it: "VRP is an anti-penalising system for small businesses. Their cash flow moves through the day. We needed a collections engine that moved with it." 💡 With no failed-attempt fees, fewer chase calls, and 98% of admin running autonomously, they're raising the bar in SME lending. 👉 See how they did it → https://lnkd.in/ezacNVwj #lending #businesslending #vrp #openbanking

How much do manual processes slow down your credit decisioning? This is what lenders had to say in our most recent webinar:  📊 40% said manual processes create bottlenecks 📊 26% saw reliance on lagged data 📊 26% stated limited cash flow visibility This highlights what most teams are struggling with day-to-day: gathering documents from scattered sources, reviewing financial statements by hand, and reconciling data that arrives in different formats from different providers, which creates manual bottlenecks and delays. Learn how to tackle delays caused by manual processes in our webinar → https://lnkd.in/eK6TtGyN #lending #creditdecisioning #openbanking

Are you actively managing portfolio risk, or just reviewing it? A credit decision captures a borrower's financial position on one day. Most lenders don't see it change until the risk has already developed. The signals that matter most tend to build gradually: 1️⃣ Declining revenue or a shift in income pattern 2️⃣ New high-cost debt appearing on the account 3️⃣ A sustained drop in cash buffer below historical levels 4️⃣ Changes in payment behaviour to other creditors Without continuous data access, these only surface at the next scheduled review, weeks or months later. For B2B portfolios, the gap is even wider. Live transaction data gives a view of real revenue sources, HMRC obligations, and operating costs that filed accounts from twelve months ago simply cannot match. Our guide covers what reliable enrichment and categorisation needs to deliver to make these signals usable in practice. 📖 Read the full blog → https://lnkd.in/e_pXeN87 

💡 How are intelligent data and integrated payments reshaping lending? We recently hosted a webinar on that exact question, featuring: 🗣️ Tigana Sari (Allica Bank) 🗣️ Kai Hunter (Lovey) 🗣️ Kate Kennedy (Navrisk) 🗣️ Jason O'Shaughnessy (Yapily) 👇 We've written up the key themes and audience poll results from the session. Read it here: https://lnkd.in/e9FVwJ5D #lending #openbanking #webinar