10005765Platform for Fair INstant Utility Switching Directly Within Banking Apps (FINSBA)ClosedFeasibility StudiesInnovate UKApTap's mission is to make bill management a simple, fair and easy experience, with a platform for Fair INstant Utility Switching Directly Within Banking Apps (FINSBA). FINSBA makes switching any utility and subscription as easy as tapping three times on your phone and allows you to instantly Analyse(Tap 1), Compare(Tap 2) and Switch(Tap 3) any recurring bill within your current banking app. The design of the app follows universal design principles to include everyone. FINSBA uses technology to significantly cut the switching process as compared to using state-of-the-art online comparison sites. This process innovation can be traced back to several innovations: * AI for recurring payment recognition * AI for comparing and recommending deals * APIs for comparison and switching * APIs for banking integrations utilising open banking standards ApTap will also focus on universal design of the product to be truly inclusive of all demographics and also support people with lower financial literacy.