On Sense of Identity, Anthony Rafferty, CEO of Origo Services, explains how digital technology is setting a standard for ubiquitous connectivity across financial services.
Anthony Rafferty leads Origo Services, which describes itself as the UK's original fintech company. Origo's toolkit of software services is built to connect the financial services industry for the benefit of everyone.
Gain insights into how to tackle paper-based processes in the pensions and investments industry with more efficient digital solutions.
Discover how Unipass Identity revolutionises secure access for financial advisers, streamlining their interaction with multiple platforms and enhancing overall efficiency and security in the financial services sector.
Explore predictions for the future of digital services in financial services, focusing on the growing consumer demand for digital efficiency and security, and how regulatory changes like Consumer Duty will drive the industry towards more innovative solutions.
Origo and Standardised Connectivity in Financial Services
Origo was established in 1989, the same year as the World Wide Web. From the start, the focus was on creating efficiency in the market through standardised data exchange in life, pensions, and investments.
Over time, Origo shifted towards software as a service. The Origo Transfer Service now manages a significant portion of defined contribution pensions. The firm also operates Unipass, a brand well known among financial advisers.
Unipass Identity, Transfer Services, and Unipass Mailock
Unipass Identity is a core Origo product. It simplifies and secures access for financial advisers to various platforms and providers, and it is deeply integrated into Origo services, including Unipass Mailock.
That integration is designed to improve both security and convenience for users who need to move between platforms without repeating identity checks at every step.
"When connectivity standards improve across platforms, adviser firms still need identity and secure messaging that works in everyday workflows - not as a separate bolt-on."
Paul Holland, Founder and CEO, Beyond Encryption (Mailock)
Moving Away From Paper-Based Processes
Anthony Rafferty describes Origo's current priority as eliminating outdated, paper-based processes that remain common in pensions and investment workflows.
Digital tools such as Origo's digital Letter of Authority and the secure email service Unipass Mailock are part of that modernisation effort.
"Our primary focus is on eliminating outdated, paper-based processes still prevalent in the pensions and investment sectors. Digital solutions, like our digital Letter of Authority and secure email service Unipass Mailock, are pivotal in modernising these processes."
Anthony Rafferty, CEO, Origo Services
Rafferty's own path into the role runs through banking, including major Scottish banks and later work in lending and equity release. He joined Origo to continue work on digital innovation in financial services and has led the business through significant industry change in the digital space.
Where Digital Services Are Heading
Over the next few years, Rafferty expects stronger demand for digital solutions as consumers expect faster service and stronger data security.
Regulatory frameworks such as Consumer Duty are likely to accelerate that shift by pushing firms towards more streamlined and secure digital processes.
Choosing The Right Customer Channel?
Read our research on portals, logins, email, and post before deciding how customers should receive important documents.
On a personal note, he would advise his younger self to understand and manage stress earlier, including through mindfulness and a clearer view of how the brain responds under pressure. That, he suggests, would have supported a calmer and more resilient approach to professional challenges.
FAQs
Who Is Anthony Rafferty?
Anthony Rafferty is CEO of Origo Services. His background includes banking with major Scottish banks and later roles in lending and equity release before he joined Origo.
What Does Origo Services Do?
Origo provides software services that connect the financial services industry. It began with standardised data exchange in life, pensions, and investments and now offers services including the Origo Transfer Service and the Unipass identity brand used by financial advisers.
What Is Unipass Identity?
Unipass Identity simplifies and secures access for financial advisers to multiple platforms and providers. It is integrated into Origo services, including Unipass Mailock.
How Does Origo Address Paper-Based Processes?
Origo focuses on replacing outdated paper-based workflows in pensions and investments with digital options such as a digital Letter of Authority and Unipass Mailock for secure email.
Paul, CEO and Founder of Beyond Encryption, is an expert in digital identity, fintech, cybersecurity, and business. He developed Webline, a leading UK comparison engine, and now drives Mailock, Nigel, and AssureScore to help regulated businesses secure customer data.
Paul Holland
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