Most adviser platforms were built around what the system needed. Joanne Cole built YAVIA around what the adviser and the client needed.

The FLA reported 187,304 consumer car finance agreements in June, up 7% on last year, with new business value up 11% to £3.87 billion. Those agreements are being written in the same year the industry received a £9.1 billion bill for decisions it could not evidence. Growth and scrutiny have arrived together, and only one of them is optional.

70% of financial institutions lost clients last year because onboarding took too long. That's the highest figure Fenergo has ever recorded, and it has climbed from 48% in just two years. The uncomfortable part: most of that delay isn't compliance. It's data gathering.

The FCA's landmark Mills Review sets out how AI will transform retail financial services by 2030: continuous, delegated, agent-led. But buried beneath the headlines about autonomy is a quieter, more urgent finding: none of it works without trusted, structured customer data. For lenders and brokers, that makes the next move surprisingly clear.

The timing couldn’t be more relevant. As the sector moves beyond past conduct challenges, the focus is shifting to how lenders build stronger, more transparent and more competitive lending processes for the future.

In 2026 the FCA loosened mortgage affordability rules, brought buy now pay later inside the regulatory perimeter, and confirmed a £9.1 billion motor finance redress scheme. Three unrelated decisions on the surface. Underneath, all three move the same burden onto lenders. The question is no longer "did you follow the rule". It is "can you show what you knew about this customer, and prove it".