We are authorised and regulated by the FCA as an Registered Account Information Service Provider (FRN: 834786) under the Payment Services Regulations 2017 (PSRs).


 © 2019 by VisibleCapital

Compliance Driven Financial Onboarding

Visible Capital use PSD2/Open Banking data to provide a MIFID2 compliant onboarding and ongoing suitability service. In addition to the regulatory benefits, our process provides more accurate data and a near-frictionless experience for the end user.



Our system automates the repetitive and time consuming tasks of onboarding & ongoing suitability that are currently being undertaken manually at the expense of resource and accuracy.


Current fact finding techniques can lead to inaccurate, or incomplete data. By directly accessing transactional data – with the customers consent – we can ensure the data which is used to make decisions is as accurate and complete as possible.


Visible Capital provides an auditable fact find process that is designed to provide a paper trail for the regulator. The service is specifically designed to provide regulatory reporting and transparency relating to onboarding and ongoing suitability.

Open Banking Technology

Open Banking offers a toolkit to access and comply with PSD2; it allows the customer to give permission to access their data in a regulated manner. Visible Capital are building back office ‘plumbing‘ to seamlessly connect the adviser to the customer data.

Our Team

Ross Laurie

Ross has worked in the technology and finance sector for over 20 years. His previous company built a number of the onboarding interfaces for retirement planning both pre and post-RDR.


Richard Braidwood

With a background in software development, sales, and business growth, Richard brings commercial and operational expertise to the team.


Christian Burgin

Christian has worked in finance and technology all his professional life. He has developed and launched financial products all over the world, and has worked with and advised a wide range of tech companies


Our Solution

The current fact find process can be cumbersome, inaccurate, and expensive. We use Open Banking, and our extensive knowledge of the finance and technology sectors to develop an efficient and compliant solution to automate the onboarding and ongoing suitability processes.

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