Beyond the Chatbot: Building Safe Self-Serve Debt Advice AI to Empower and Protect People in Financial Difficulty
with Mark Pearce, Wyser AI
We are back in London to talk about MALG’s new Money & Pensions Service-funded research project entitled ‘Exploring Safe & Effective Self Serve in Regulated Debt Advice in the Generative AI Era.’ In this episode, MALG CEO Bob Winnington and Mark Pearce, Founder and CEO of the research delivery partner Wyser AI, discuss how this project came about and what they hope to achieve.
Mark has built a reputation as one of the UK’s most thoughtful voices on the responsible application of AI in regulated environments. He combines deep technical expertise with a strong ethical compass, focusing on how AI can enhance, not replace, human decision making. Mark has worked extensively with organisations across financial services, advice delivery, and public interest sectors to design AI systems that are transparent, safe, and aligned with real world user needs.
Together Bob and Mark unpack why this research is urgently needed, what risks and opportunities Generative AI presents, and how the debt advice sector can collaborate to build tools that genuinely support people in financial difficulty without compromising safeguarding, quality, or regulatory standards.