About
Intelligent Lending is a UK consumer finance group. Its brands include Ocean Finance, CredAbility, TotallyMoney, thinkmoney, LUV Cars, binq and Ocean Car Loans.
Features Used
“Our customers trust us to be clear, transparent and compliant in everything we communicate, whether that’s on TotallyMoney’s app or Ocean Finance’s campaigns. Adclear’s AI technology helps us maintain the highest compliance standards while empowering our marketing teams to deliver better, clearer messaging. This partnership reflects our commitment to embracing innovation that protects our customers and supports the quality and accuracy of our communications across all our brands.”
A typical financial promotion at Intelligent Lending used to take around five days to approve. Today it takes around one day, an 80% reduction, and simpler assets often get signed off the day they’re submitted. The biggest change, according to the group’s financial promotions manager, is what reaches their desk in the first place.
Seven brands, one review queue
Intelligent Lending reviews financial promotions for Ocean Finance, CredAbility, TotallyMoney, thinkmoney, LUV Cars, binq and Ocean Car Loans. A TV campaign for a secured lending product lands with the same reviewer as a social post or a push notification. Each needs someone who understands the product, the rules that apply to it and how the promotion will appear to a customer.
Before Adclear, work came in through email, Azure, Teams and shared folders. Marketers often had questions before they were ready to submit. Once a draft arrived, the financial promotions manager might have to chase the latest version, only to spot a missing representative example they’d already flagged for another brand. TV, secured lending and multi-channel campaigns often took longer than the usual five days. And if a question came up after sign-off, there was no single record of what had been approved and why.
Building Intelligent Lending’s own standards into each review
When Intelligent Lending was considering a second hire, the group asked its financial promotions manager to explore where AI could help. The manager already knew which checks they were repeating and how they expected each brand to handle them. Adclear’s custom rules gave them a way to put that knowledge directly into the review process.
“We’ve built our own group standards into it, so feedback reflects how we interpret the rules and not just a generic reading.”
Financial promotions manager, Intelligent Lending
Now, if a draft is missing a representative example, contains an APR trigger or carries a risk warning in the wrong place, marketing can pick it up before submitting the asset for approval. A correction the reviewer once had to request across several brands can become a check that every brand benefits from.
Fewer rounds of amends and more first-time approvals
Over 70% of promotions now get approved first time. With fewer drafts coming back for basic amends, the financial promotions manager can spend more of each review on the judgement calls a particular campaign requires. They retain final sign-off across all seven brands.
The feature the manager values most after custom rules is the audit trail. When someone asks why a promotion was approved, they can go back to the decision and the version it relates to. Asked what they’d tell another financial promotions manager, they put it this way:
“If you’re covering multiple brands or a high volume of promotions, Adclear takes care of the repetitive checks so you can spend your time on the calls that actually need judgement. It won’t do your job for you, but it’ll stop you doing the same job forty times a day.”