OBR leverages Open Banking data to address real business problems with commercially viable solutions. OpenRep® is our flagship product which aims to reduce Bank losses and improve operational efficiencies in the SME Lending sector. OpenRep® enables Lenders to lend to more SMEs; manage existing SMEs more cost efficiently, build long lasting relationships and deliver an enhanced digital experience – leading to improved NPS scores and more successful small businesses. OpenRep® is a data-driven risk management solution that utilises data to provide improved outcomes and actions for relationship managers, which allows banks to better manage loss exposures and be more efficient. OpenRep® provides predictive data analytics, with improved decision making and intervention strategies to reduce impairments and make relationship management more effective – for both SMEs and Lenders.