Open Banking is a quick and efficient way for you to provide us with information regarding your income and expenditure. As responsible lenders, this is information we require to allow us to assess your current financial position to help us consider an affordable repayment plan. When you agree to participate in Open Banking, you will be sent a link, either by email or SMS, which will allow you to provide us one-time access to your banking information. Once you have identified the appropriate bank account(s) and agreed to provide the information to us, we are sent a breakdown of your average monthly income and expenditure, providing insight to the disposable income available to you each month after your essential expenditure. We can then review this information and contact you to discuss how we may be able to assist you.