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ORIGINATE

Branded application journeys, built to convert

Deploy whitelabel journeys across web, app and embedded. Real-time data injection and verification maximise quality from day one.

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All customer journeys are:

Responsive Whitelabel Embeddable Verified Data Custom Domain

Whitelabel Journeys

Complete control over look and feel — logo, colours, fonts, and the questions asked. One underlying platform; infinite branded experiences. Deploy across web, app and embedded channels from a single configuration.

  • ✓ Deploy once, run everywhere
  • ✓ No code changes required
  • ✓ Full brand control
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About You
Payment
Affordability
Your Primary Income
I am employed and receive a regular salary or wage.
I am self-employed and operate as a sole trader.
I am self-employed through a limited company.
I receive income from pensions, benefits, or investments.
Continue
About You
Payment
Affordability
Tell us about your income
Who is your primary employer?
●
Credit Canary
Payments received in last 45 days: £2,000.00
Lucy Fall
Payments received in last 45 days: £1,254.23
Other
Connect Another Account
Continue
About You
Payment
Affordability
Match your income deposits
✓
Verified
£2,000.00
Please select an income type for Verified...
Deliveroo
£480.00
Select income type...
Uber Eats
£312.50
Select income type...
Connect Another Account

Real-Time Journeys

Decisions happen progressively throughout the journey — not at the end. If a customer isn't eligible for credit, expensive credit searches are never triggered. Lower costs, faster answers, better outcomes.

Where possible, data is pre-filled from Open Banking and other sources to reduce friction, minimise manual entry, and get customers through faster.

  • ✓ Progressive decisioning throughout the journey
  • ✓ Pre-filled fields from Open Banking and third-party data
  • ✓ Avoid unnecessary costs on ineligible applicants

Verification First

Real-time checks run at the point of capture — mobile number, identity documents, National Insurance number, bank account ownership and more. Customers can only proceed once every relevant check passes, so nothing invalid or fraudulent makes it through.

The result: fewer wasted resources on bad applications, better customer outcomes, and significantly reduced risk — all before a single credit search is triggered.

  • ✓ Point-of-capture verification — checks run as data is entered
  • ✓ Customers blocked from progressing until checks pass
  • ✓ Eliminates manual review of incomplete or fraudulent applications
Real-Time Verification
Checks run at point of capture
6 of 7 checks passed
Mobile Number
OTP verified
Passed
Email Address
Domain and deliverability checked
Passed
Identity Document
Driving licence matched
Passed
National Insurance Number
Format validated, cross-referenced
Passed
Bank Account Ownership
Name match via Open Banking
Passed
Address Verification
Electoral roll confirmed
Passed
Affordability Assessment
Analysing income & expenditure...
Running
Customer cannot proceed until all checks pass
Application Funnel
Last 30 days
12.4%
Visits 10,000 -15% bounce Started 8,500 -22% ID check Verified 6,630 -8% affordability Decisioned 6,100 -12% declined Funded 5,368 53.7% conversion
Conversion Rate Over Time
12 weeks
55% 40% 53.7%

Event-Driven Tracking

Track customer progression through every journey stage. See where drop-off occurs, how conversion rates change over time, and optimise with real data. Webhooks push events to your systems instantly.

  • ✓ Real-time event tracking
  • ✓ Unified applicant profiles
  • ✓ Webhook integration

Powered by the Origination Agent

Automates journey orchestration, data injection and verification. Adapts to responses, dynamically presents questions and optimises for conversion.

Learn More About Our Agents
Platform Overview Unify