The future of lending, ready to launch

Embed Financier seamlessly to accelerate growth, improve customer outcomes and lead in the digital lending era.

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About Welcom

Driving digital transformation 

Welcom Digital combines decades of expertise with dedicated and passionate people to design flexible, effective solutions that help businesses succeed in a connected world.

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Why choose Financier—a smarter way to power digital lending

Our API-first, multi-brand platform streamlines administration and automates key business processes—giving lenders more time to focus on customer outcomes and stay ahead of regulatory requirements.

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Over £10 billion transacted through Financier

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From smaller clients to FTSE100 companies

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Digital lending capability for the FinTech sector

What Our Clients Say

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The new integration between Welcom Digital’s Financier LMS to Provenir’s AI-powered fraud and credit risk decisioning solution is a key part of our investment in digital finance options tailored to our customers' individual needs and I can’t thank the Welcom & Provenir teams enough for their support throughout.

Stuart Daniels, Chief Credit Officer, FGH (Freemans Grattan Holdings)

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What Our Clients Say

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Thanks to all at Welcom for helping us to get over the line and deliver. Great team effort all round. 

Frasers Group Financial Services

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What Our Clients Say

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We particularly like their partnership concept in systems development.

Don Fishing

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What Our Clients Say

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Welcom Digital worked to understand and capture our requirements and then produced a system specification that adopted standard build options where possible and introduced custom built functionality where required.

CITB

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Our Insights

In the press

New accessibility guidelines launched for payment cards

UK Finance has launched a new Accessible Cards Code of Practice, designed to help customers with accessibility needs or impaired vision use payment cards in-store and online. The Code means the UK is the first country in the world to have national common accessibility guidelines for flat printed payment cards.

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In the press

Mortgage borrowing increased to £4.8bn in February

Latest Bank of England data has shown that net borrowing of mortgage debt by individuals increased to £4.8 billion in February, from £4.2 billion in January.

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In the press

Majority of human underwriting can be performed by AI – MQube

Seventy per cent of traditional mortgage underwriting tasks can now be performed by artificial intelligence (AI), analysis by MQube has revealed.

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Blog

Improving Outcomes in the Second Charge Mortgage Market

The FCA's latest review into the Second Charge Mortgage market has been released and Financier Homeowner is well positioned to support lenders and intermediaries as the FCA raises expectations across the sector.

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In the press

Owner occupier mortgage costs total £114bn in 2025

The total housing cost bill for mortgaged owner occupiers in the UK reached £114.4bn in 2025, new research from Savills has revealed.

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In the press

Over half of lifetime mortgages taken out by under-70s

Owners of high-value properties, which were those worth at least £700,000, continued a stable pattern seen since 2023, accounting for 10% of new lifetime mortgages.

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Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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