Anatomy of Lending in 2022
Tuesday 22 February 2022
Traditional lending models are being disrupted by a network of niche operators working in partnership to develop better outcomes for borrowers. Motivations for new lending propositions include expanding product portfolios and moving into new markets, serving the underbanked, digital transformation, and changing customer demands. These motivations have led to diverse products and lending models as
- Published in Content
Credit cards that go beyond transactions
Tuesday 01 February 2022
Just as many traditional financial institutions are being forced to improve their conventional product offering due to the innovations made by Fintech companies and start-ups, credit card lenders are also set for disruption. In the more than 55 years since Barclays launched the first credit card in the UK, the financial ecosystem has shifted dramatically.
Caveat Emptor – Buy Now Pay Later – the Credit Score Risk?
Tuesday 17 August 2021
It’s not hard to see why consumers have embraced Buy Now Pay Later (BNPL) services with open arms in recent years. According to research from Finder.com, 37% of Brits say they have used a BNPL service in the past with more than half of BNPL users reporting to use these services more since the beginning of COVID. While BNPL is growing increasingly popular, especially among Millennials,
- Published in Community, Content, Embedded Finance, Opinion, Payments
Building a digital lending system – methods, learnings and insights
Tuesday 17 August 2021
Digital lending has been one of the key areas of focus in the digitalisation efforts of financial service providers during recent years, with Covid 19 accelerating it further and at an unprecedented pace. It is estimated that the digital lending platform market will account for $15.3 billion by 2026, up from $3.5 billion in 2018.[1]
- Published in Community, Content, Embedded Finance, Innovation, Opinion, Payments, Security