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Feb 24, 2026
Few developments in consumer credit have captured public and regulatory attention as quickly as the rise of buy now pay later products. What began as a niche offering at a handful of online retailers has...
Feb 18, 2026
Evlo partners with CreditLadder to help renters build their credit history and advance Financial Freedom for Everyone Evlo today announces a new partnership with CreditLadder, the UK’s first and biggest rent-reporting platform, to help more renters build a stronger credit history...
Feb 17, 2026
The boundaries between financial services and other industries are dissolving rapidly, driven by technological capabilities that allow lending products to be embedded directly into non-financial contexts. Where consumers once had to step outside their shopping...
Feb 13, 2026
Since the implementation of the Second Payment Services Directive and the creation of the Open Banking Implementation Entity, the UK has positioned itself as a global leader in open banking infrastructure. What began as a...
Feb 10, 2026
Responsible lending has always been central to sustainable credit provision, but the principles that guide it continue to evolve as technology advances, customer expectations shift, and our understanding of financial vulnerability deepens. What constituted responsible...
Feb 5, 2026
The transformation of lending infrastructure over the past decade has been nothing short of remarkable, with cloud computing emerging as the foundational technology enabling this shift. Where traditional lenders once relied on monolithic, on-premise systems...
Feb 2, 2026
When you start looking for a personal loan, one number appears almost everywhere you turn: the APR. It stands for Annual Percentage Rate, and whilst it might seem like just another piece of financial jargon...
Dec 15, 2025
Alternative data has transitioned from experimental curiosity to strategic imperative for UK lenders seeking competitive advantage through enhanced credit assessment capabilities, particularly in serving customer segments where traditional credit bureau data provides limited predictive power...
Dec 11, 2025
The maturation of open banking in the UK has moved beyond theoretical potential to deliver tangible business outcomes and measurable consumer benefits across multiple segments of the financial services sector. Whilst early scepticism about adoption...
Dec 9, 2025
Economic uncertainty has become a defining characteristic of the contemporary lending environment, with UK consumer credit portfolios navigating a succession of shocks including the pandemic disruption, inflationary pressures unseen in decades, interest rate volatility, and...
Dec 5, 2025
Sustainable finance frameworks have evolved from peripheral corporate social responsibility considerations to core components of financial services strategy and risk management, driven by regulatory expectations, investor pressure, and growing recognition that environmental and social factors...
Dec 3, 2025
Technology integration has emerged as a defining competitive factor in UK consumer lending, with institutions’ ability to deploy, integrate, and leverage modern technology stacks increasingly determining their capacity to compete on customer experience, operational efficiency,...