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Paylink names new leaders as it drops Embark brand

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Paylink Solutions has appointed Andy Hart as Managing Director and Nicky Mikulla as Sales Director as it consolidates its business under the Paylink Solutions name.

The leadership changes are part of a broader shift for the Grantham-based affordability technology provider, which is moving beyond the Embark platform brand after nearly a decade in the market. The change reflects its development into a broader affordability intelligence platform serving financial services and other sectors.

Its technology has supported more than 1.2 million affordability journeys for organisations including NatWest, Santander, Tesco Bank, PayPal, Virgin Money, Zopa, Octopus Energy, E.ON Next, and Coventry, Leeds and Newcastle Building Societies.

Paylink works with organisations involved in lending, collections and financial support. Its platform combines affordability data, Open Banking, automation and workflow tools to help firms assess customer circumstances and make decisions on support.

Leadership changes

Hart joins with more than 20 years of experience across software, digital transformation and artificial intelligence-led businesses. His background includes senior leadership roles spanning product, delivery and commercial operations.

His remit will include guiding the next stage of the platform’s development and strengthening client relationships as Paylink expands its offer in affordability, decisioning and customer support.

Hart said: “At its heart, Paylink is about helping organisations make better decisions for their customers. Financial difficulty is rarely simple, and good technology should make it easier to understand someone’s situation, work out the right support, and achieve the best outcome. I’m excited to lead the business into its next phase of growth, building solutions that pair smart technology with genuine customer focus – better experiences for our clients, and ultimately better outcomes for the people they support.”

Mikulla joins with experience in enterprise sales, commercial strategy and business development across artificial intelligence, software and financial technology. Her career has included work on strategic partnerships and market expansion.

Her appointment comes as Paylink seeks to expand its commercial reach in response to demand for affordability tools and automated decisioning in customer support and credit-related processes.

Mikulla said: “I’m thrilled to be joining Paylink Solutions as Sales Director at such a pivotal time for the business.

“There’s a real opportunity to open up new markets and help more organisations understand the value we can bring in supporting customers who may be dealing with debt or vulnerability and need to find solutions. Making it easier for those customers to get the right support is at the very heart of what we do, and the partnerships Paylink Solutions has built over almost a decade reflect that commitment. I’m looking forward to being part of the team, helping our clients better support their customers, and contributing to the growth story.”

Platform focus

Paylink plans further investment in artificial intelligence, automation and data analysis as it develops what it describes as the next stage of affordability intelligence. That work is expected to focus on customer journeys, decisioning and insight into customer needs.

Victoria Morgante, Director of Strategy at Paylink Solutions, said the business is pairing product investment with changes in its senior team.

Morgante said: “As organisations continue to rethink how they engage with and support customers, Paylink Solutions is investing not only in technology but also in the expertise that will help shape its future. Andy and Nicky bring extensive experience that complements our vision as we continue to help clients deliver better decisions and better outcomes for the customers they support.”

Its customer base spans financial services, utilities and other sectors where firms need to assess income, expenditure and signs of financial stress. In these markets, affordability checks and support pathways have drawn growing attention as lenders, creditors and service providers face pressure to identify vulnerable customers and tailor their responses.

The platform combines structured income and expenditure assessments with Open Banking data and configurable workflows. It is designed to support both operational processes and regulatory requirements for organisations dealing with customers in financial difficulty.

Paylink remains headquartered in Grantham, Lincolnshire, as it approaches its tenth year in business. Its focus remains on helping organisations understand customer circumstances earlier and guide them towards appropriate support through data-led affordability assessments and automated decisioning.



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Network Rail will not reopen Botley Road early despite completion

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Gas network company SGN confirmed it had repaired three minor gas leaks and left the site on Monday, August 3, six days earlier than expected.

The leaks were discovered during excavation works last month and contributed to the pushing back of the road’s reopening date, yet again, to September 20.

The completion of the gas mains replacement marked a significant step forward in the wider Oxford Station improvement project, which was originally budgeted at £161 million but is now expected to cost at least £237 million.

The development prompted hopes that Botley Road, closed beneath the rail bridge since April 2023, could reopen earlier than planned.

However, Network Rail has moved to manage expectations, saying the project remains on course to meet its existing target date rather than finish ahead of schedule.

A Network Rail spokesperson said: “We’re pleased that SGN has completed its gas mains replacement work.

“While this is an important milestone, it doesn’t necessarily mean the overall project will finish early as some remaining work is dependent on access to the railway, which we have had to rearrange to enable the replacement of the gas main.

“Our focus remains on meeting our planned deadline of 20 September for reopening Botley Road to traffic.”

While the completion of the gas works removes one of the most recent obstacles facing the scheme, Network Rail says further work under the bridge and around the station is still needed before the route can reopen to traffic.





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40-year-old Oxfordshire gymnastics club at risk of closure due to heat

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The club is currently struggling in the summer heat, and has launched a new fundraiser to keep its gymnasts safe.

The club, which is based at Grove House Barn near Warkworth in Banbury, launched the fundraiser so it could buy and install four air conditioning units to keep its space cool.

Currently, the club hopes to raise £7,000 through the appeal so it can buy four 10kW air conditioning units and cover all the installation costs.

So far, the club has raised £380.

Karl Wade, director of Wade Gymnastics, said the club has become “increasingly warm” during the summer months due to the rising temperatures.

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Wade Gymnastics at Grove House Barn in BanburyWade Gymnastics at Grove House Barn in Banbury (Image: Google Maps)

“Despite our best efforts to keep doorways and shutters open, it becomes very uncomfortable for gymnasts to play and train,” Mr Wade said.

He added: “The safety of our gymnasts and coaches is always our utmost priority.

“Unfortunately, the risk of having to close the business during these hot spells is increasing and we need to have more effective ways of keeping everyone cool.

“An air conditioning system would allow the business to stay open during those extreme hot conditions and continue to provide classes for everyone who attends.”

The gym currently delivers classes seven days a week for around 900 people, which range from toddlers to athletes competing at national level.

The gym club was founded more than four decades ago by Ruth Wade and, for the past 20 years it has been based at its current facility.





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Solihull Council appoints ICS.AI for AI discovery phase

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SOFIAH NICHOLE SALIVIO

News Editor

Solihull Council has appointed ICS.AI to deliver the first phase of an AI Transformation Discovery programme to examine how artificial intelligence could be used across several resident-facing services.

The 24-week programme will review opportunities in Adult Social Care, Children’s Services, Economy & Infrastructure, and Public Health. It is intended to help the council decide where AI could be used and where future spending should be directed.

In this first phase, ICS.AI will assess the council’s readiness for AI and identify use cases across the four service areas. The programme is expected to produce a prioritised shortlist of about 200 use cases, including 50 validated from a finance perspective, alongside a longer-term AI Transformation Roadmap.

The work is intended to create an evidence base before any wider implementation decisions are taken. Ethics, privacy, and safeguarding will be considered throughout the assessment process.

Discovery phase

ICS.AI will use its AI Target Operating Model framework to review Solihull’s current position across five dimensions before ranking opportunities. The outputs will be based on council-owned baseline data and reviewed by public sector specialists.

The approach reflects a broader pattern among local authorities exploring AI in service delivery while facing pressure to justify spending and manage risks around data use and public accountability. Councils have also been seeking clearer business cases before committing to larger technology programmes.

Solihull said the discovery exercise would support a measured approach to service modernisation. The authority wants to identify where AI could improve services for residents while also demonstrating value for money.

“We are committed to taking a well-considered and planned approach to modernising the services we provide. By building a strong evidence base for future decisions, this programme will help us understand where the greatest AI opportunities exist. We will then be able to prioritise those improvements that will deliver the greatest benefit for residents, while ensuring full value for the council,” said Councillor Dave Pinwell, Cabinet Portfolio Holder for Resources, Solihull Council.

Public sector focus

ICS.AI said the Solihull engagement builds on work it has carried out with more than 20 public sector organisations using its AI transformation and discovery assessments. Those organisations include Derby City Council.

The company focuses on AI projects for the public sector, where interest has increased as authorities look for ways to manage demand pressures in social care, public health, and other frontline services. At the same time, councils are under scrutiny to show that new technology investments are proportionate and supported by practical evidence.

Dwayne Johnson, Chief Local Government Officer at ICS.AI, said local authorities need stronger justification before committing funds. “Local authorities need confidence that every investment is backed by robust evidence and long-term value for residents. Solihull Council is taking the right approach by starting with a structured discovery programme that builds a clear understanding of priorities before decisions are made. By developing finance-validated business cases and a practical roadmap, the council can be more proactive in the decisions it makes,” he said.

The programme’s initial outputs are expected to give Solihull a ranked view of where AI could be applied across services, the level of organisational readiness, and which projects may warrant further consideration. This first phase is focused on identifying options rather than moving directly into deployment.

For local government leaders, that distinction is becoming increasingly important as councils test AI in areas that affect vulnerable residents and essential public services. In Solihull’s case, the work spans some of the authority’s most visible functions, including care services, children’s provision, public health activity, and parts of local infrastructure planning.

The council aims to use the findings to inform later investment decisions through finance-validated business cases and a practical roadmap for future priorities.



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