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May 27, 2026
Long before high street banks became the dominant force in personal finance, ordinary people found ways to pool their resources and lend to one another within their own communities. The idea that a group of...
May 18, 2026
Life has a habit of throwing curveballs when you least expect them. The boiler breaks down in the middle of January, the car fails its MOT with a list of costly repairs, or you suddenly...
May 12, 2026
In consumer lending, the period between a borrower beginning to experience financial difficulty and the point at which they formally default on a credit agreement is rarely a sudden cliff edge. More often, it is...
May 6, 2026
Consumer expectations around speed and convenience have shifted dramatically over the past decade, shaped by experiences in retail, travel, entertainment, and virtually every other sector where digital services have replaced manual processes. The lending industry...
May 4, 2026
Open banking has fundamentally reshaped the way financial data flows between institutions, fintechs, and consumers in the UK. Since the Competition and Markets Authority mandated the Open Banking Implementation Entity in 2018, the ecosystem has...
Apr 30, 2026
Income verification has always been one of the most friction-heavy stages of the consumer lending journey. For decades, the standard approach involved asking applicants to submit payslips, bank statements, or employer references, documents that needed...
Apr 13, 2026
For decades, the mechanics of loan repayments have remained largely unchanged. A borrower agrees to a fixed monthly amount, a Direct Debit is set up, and the same sum leaves their account on the same...
Apr 8, 2026
When you start looking for a personal loan, it can feel as though you’re suddenly drowning in numbers, jargon and small print. Every lender presents their offer in a slightly different way, and what looks...
Apr 3, 2026
Consumer lending portfolios have traditionally been managed with a relatively static mindset. A lender establishes its risk appetite, sets its credit policy, defines its target segments and then operates within those parameters until a periodic...
Mar 31, 2026
When the Financial Conduct Authority introduced the Consumer Duty, it signalled the most significant shift in conduct regulation that the UK financial services sector had seen in years. The rules, which came into force for...
Mar 26, 2026
The intersection of environmental responsibility and consumer lending might not seem immediately obvious, but it is becoming increasingly difficult for the UK credit industry to ignore. Whilst the conversation around climate risk in financial services...
Mar 23, 2026
The technology underpinning consumer lending has undergone a quiet but profound transformation over the past decade. Where credit platforms were once built as monolithic systems, with every function from application processing and credit scoring to...