The account opens in minutes. The trust takes longer.
Across Ireland, the UK and Europe, financial-services brands have digitised onboarding. The harder job — earning attention, closing switches, converting business applicants under conduct and central-bank scrutiny — is where we come in. A connected stack of data, system, digital, lead generation, websites and verified commercial teams.
The market, in numbers
Regulated growth, across three markets.
Retail switching. Mortgage remortgaging. Small-business lending. Wealth onboarding. Four acquisition motions, three regulatory regimes, one operational standard. Here’s where the commercial opportunity sits.
IRELAND
Challenger-bank customers in Ireland against a population of 5.3 million — the challenger era is now mainstream.
Central Statistics Office · 2025
EUROPE (EU27)
Estimated European small-business financing gap — the single largest untapped pipeline in retail banking.
European Commission · 2024
Inside the challenge
A regulated sector where trust is the product.
No other consumer category carries quite the same combination of rate volatility, conduct scrutiny and acute brand risk. Mis-sell one business loan or mishandle one vulnerable customer, and you’re in the next regulatory review. These are the challenges we hear in every scoping call.
Acquisition-cost inflation
Paid-search costs for 'current account' and 'mortgage' have more than doubled since 2020 — digital-only acquisition no longer scales economically.
Conduct documentation burden
Consumer-duty rules in the UK, the consumer-protection code in Ireland and equivalent European conduct rules mean every outbound conversation must be auditable end-to-end, from lead source to activation.
Switching friction remains high
Despite easy account-switching schemes, nine in ten customers still don't switch. The activation gap is human, not technical.
Business pipeline starvation
Business-banking and small-business lending teams are under-resourced at the top of the funnel — high-intent applicants never get reached in time.
Vulnerable-customer exposure
Conduct rules name vulnerable customers explicitly. One mishandled journey becomes a case study — and a chief executive on the evening news.
Our full acquisition stack — applied to financial services
Six solutions, one connected engine.
Most partners bring one thing: a system build, a lead list, or a call centre. We bring all six — designed to interlock, measured to one shared outcome: compliant, activated, retained customers per pound or euro spent.
GoSales Verified™
Brand-safe acquisition, across every regulator.
Financial services is the most scrutinised consumer sector in Europe for commercial conduct — consumer-duty rules in the UK, the consumer-protection code in Ireland, and investment and conduct rules across the continent. GoSales Verified™ is how we’ve built a commercial operation where every interaction passes all of them.
Frequently asked
The questions financial services leaders ask us first.
Drawn from real financial services RFPs and commercial reviews across Ireland, the UK and EU markets.
Financial services has a complaints history. Why will our programme be different?
Because every representative operates under GoSales Verified™ — background-checked, certified, carrying client-branded identification with a code the customer can scan to verify in real time. Every application is independently verified on a recorded call with an immutable audit trail, and the quality threshold is written into the contract as a minimum, not an aspiration.
How do you handle vulnerable customers under conduct rules?
Vulnerable-customer protocols are built into scripting, scorecards and verification flows, aligned with conduct and consumer-protection rules in each market. Representatives are trained to spot age, financial-hardship, cognitive, life-event and digital-literacy signals and to follow escalation paths, including declining an application.
Can you integrate with our core-banking, identity-check and origination systems?
Yes — our build connects to the common core-banking and lending platforms and to identity and anti-fraud check providers via interface, with staged middleware where needed. Applications flow into your origination queue in near real time, with verification, consent and call recording attached.
Can you run across Ireland, the UK and multiple EU markets with different regulators?
Can you manage business and wealth as well as retail?
Yes, and increasingly that’s what clients come to us for. For business lending, banking and payments we run outbound pipeline and qualified appointment-setting; for wealth and advisory we run consent-verified introduction flows into adviser networks and private-client teams, with every handover captured.
Do you report on applications or just leads?
We report on activations and first-ninety-day retention, not vanity leads — lead to qualified to application to approval to activation to retained at thirty, ninety and one-hundred-eighty days. It’s the only cadence that stands up to outcomes monitoring.
How fast can we stand up a programme?
A single-market retail switching or protection telesales programme typically runs four to six weeks from signed contract to first activation; remortgage and business programmes six to ten; multi-market rollouts ten to fourteen. You get a detailed timeline after the scoping call.
Acquire customers. Protect your licence.
Talk to our team about a compliant, data-led retail, commercial or wealth acquisition programme — across Ireland, the UK, or your priority EU markets.