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TSB Labs

TSB Labs is our fintech collaboration and innovation programme.

We work with fintechs to bring new ideas to market. Fintechs help us move fast to bring concepts to life and test them in the real world.

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What’s in it for you

What we offer 

Insider access

Understand what’s important, how your proposition works with our audience, and share insights.

Guidance and mentoring

Get expert advice from across TSB to help shape ideas, troubleshoot challenges, and help accelerate growth.

Proof of concept

We’ll help you launch proof of concept to pilot groups and, if successful, a full rollout.
 

Our past work

What we’ve done 

TSB Labs 2024 programme

Since 2020, we've helped Fintechs to grow and test their ideas and concepts. This strong connection between TSB Labs and the Fintech community has helped us strengthen our propositions and work towards our Money Confidence ambitions.

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Testimonials

Who we’ve worked with 

Through TSB Labs, we empowered thousands of TSB customers to access personalised financial support during the cost-of-living crisis.

I’d encourage other interested fintechs to apply for this brilliant scheme and take a step towards delivering more for customers.

Ren Yi Hooi profile image

Ren Yi Hooi

Lightning Reach Founder and CEO

TSB labs has played a pivotal role in the early growth of our business, helping us shape our proposition and sharpen our commercial focus.

Above all, working with TSB Labs, has been great fun. It’s been true collaboration, as it should be.

Mike Teall profile picture

Mike Teall

Snugg Chief Commercial Officer

We’re delighted to work with TSB and continue to be inspired by TSB’s approach to supporting fintech development, working in true partnership on solutions and propositions for customers.

Nicola Anderson profile picture

Nicola Anderson

Fintech Scotland Chief Executive

TSB Labs was instrumental in Doshi’s journey. TSB helped us refine our approach, speak the language of financial institutions, and adapt our business model to fit the needs of the sector. Most importantly, the team at TSB Labs treated us as partners, showing a genuine commitment to innovation and collaboration.

Daniel Rose profile picture

Daniel Rose

Doshi App Limited CEO

What’s next

Coming soon

Our 2025 challenge

Details for our 2025 challenge will be announced soon. This year, we’re working in partnership with Fintech Scotland to launch this challenge.

FinTech Scotland logo

Get involved

How it works

Step 1 - Scouting


Our Labs team is always looking to find the best in class organisations and fintechs for TSB to partner with. We’re looking for companies that can help us meet business or customer needs in new, innovative, or more efficient ways.

Step 2 - Qualification and acceptance


If you’ve been scouted, then we’ll appoint a member of the team to help you through the onboarding process. You’ll need to come in and present to business stakeholders think of it a bit like Dragon’s Den, but hopefully less scary. We’ll just want to know how your proposition or technology can help us.

We’ll also ask you to sign our standard Non-Disclosure Agreement.

Step 3 - Onboarding and contract


If you’re accepted, then we’ll onboard you to the bank.

You’ll need to sign our standardised contracts and complete our policy due diligence, where we review your information security policies, privacy policies, and anything else that is relevant for the partnership. We may ask you to register with Hellios, experts in supplier information and risk management.

Step 4 - Requirements & Proof of Concept


While the onboarding is happening, we’ll work with you on requirements, metrics, and success criteria.

Once that’s done, we’ll start preparing the Proof of Concept for launch. If any tech build is involved, we’ll talk you through the process.

You’ll have open communication with the team throughout, and they’ll be supporting you throughout the process.

Step 5 - Contract signature and go live


The last stage is the signing of the contract. We’ll raise any purchase orders, if needed, and look to progress the Proof of Concept. We’ll meet regularly to review feedback, performance and market intelligence.

Step 1 - Scouting


Our Labs team is always looking to find the best in class organisations and fintechs for TSB to partner with. We’re looking for companies that can help us meet business or customer needs in new, innovative, or more efficient ways.

Step 2 - Qualification and acceptance


If you’ve been scouted, then we’ll appoint a member of the team to help you through the onboarding process. You’ll need to come in and present to business stakeholders think of it a bit like Dragon’s Den, but hopefully less scary. We’ll just want to know how your proposition or technology can help us.

We’ll also ask you to sign our standard Non-Disclosure Agreement.

Step 3 - Onboarding and contract


If you’re accepted, then we’ll onboard you to the bank.

You’ll need to sign our standardised contracts and complete our policy due diligence, where we review your information security policies, privacy policies, and anything else that is relevant for the partnership. We may ask you to register with Hellios, experts in supplier information and risk management.

Step 4 - Requirements & Proof of Concept


While the onboarding is happening, we’ll work with you on requirements, metrics, and success criteria.

Once that’s done, we’ll start preparing the Proof of Concept for launch. If any tech build is involved, we’ll talk you through the process.

You’ll have open communication with the team throughout, and they’ll be supporting you throughout the process.

Step 5 - Contract signature and go live


The last stage is the signing of the contract. We’ll raise any purchase orders, if needed, and look to progress the Proof of Concept. We’ll meet regularly to review feedback, performance and market intelligence.

We’ve worked with 

Doshi logo

TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

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