While the last decade of FinTech made accessing credit as easy as a single swipe, the technology behind repaying that debt remained stuck in the dark ages of rigid direct debits and impersonal collections. With UK unsecured consumer debt hitting a staggering £237 billion—averaging £4,400 per adult—the "repayment gap" represents one of the largest untapped opportunities in financial services.In this episode, Tom Britton sits down with Hannah Baynham, CEO and Co-founder of HaBO Money. A veteran of the early "Starling Bank" revolution, Hannah is now applying that same obsessive focus on UX and digital innovation to the debt sector.We dive into why "bad debt" is often a failure of design rather than affordability, and how HaBO’s "save-as-you-repay" model aligns perfectly with the FCA’s rigorous new Consumer Duty standards.Key insights from this episode:The Design Failure: Why 60% of people seeking debt support are actually employed and have positive budgets, but lack the digital tools to manage fluctuating income.The Business Case for Empathy: How HaBO creates a win-win by charging lenders for successful repayments while building borrower resilience.Regulatory Tailwinds: Why the shift toward Consumer Duty is making HaBO’s infrastructure a "must-have" for modern lenders.The Million-Person Mission: Hannah’s five-year vision to move a million people from debt into sustainable savings.Featured Quote:"All of this effort has gone into making the access to credit so easy, digital, and on your phone, but the repayment experience has been totally neglected. It's still the same as it was 10 years ago. We are changing that." — Hannah BaynhamAbout the Guest:Hannah Baynham is the CEO of haboo money. Her career spans the forefront of the UK FinTech revolution at Starling Bank to management consulting for global financial institutions. She is now focused on building the infrastructure for a more resilient financial future.Connect with Angel Insights:Learn more about the SyndicateRoom portfolio: syndicateroom.comFollow Tom Britton on LinkedIn: Tom BrittonExplore HaBO Money: haboomoney.com

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