Welcom Financier

Financier overview

Powering smarter digital lending

Welcom helps digital lenders deliver personalised credit products through our leading digital lending platform, Financier. Designed for both commercial and consumer finance, our flexible solutions support lending and collections at every stage

With Financier’s modular design, credit providers can rapidly launch new products tailored to their markets—whether consumer or commercial, regulated or unregulated. Built with compliance and FCA regulations at the core, our platform supports sustainable growth and promotes a fair, transparent, and customer-focused culture.

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

Here at Welcom, we’re all looking forward to Spring starting on Sunday!

Here at Welcom, we’re all looking forward to Spring starting on Sunday!

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FCA outlines new BNPL measures

The Financial Conduct Authority (FCA) has outlined new measures for Buy Now, Pay Later (BNPL) lending, which will aim to simplify information for borrowers whilst ensuring income checks and support for those in financial difficulty.

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First-time buyers pessimistic about securing a property

New research from the Building Societies Association (BSA) shows that many aspiring first-time buyers could be closer to owning their own home than they think, but too many are ruling themselves out before exploring what is possible.

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Consumer Duty: Turning Regulatory Expectation into Commercial Advantage in Secured Lending

The FCA signaled its continued focus on Consumer Duty (the Duty) with the launch of its 2025/2026 workplan to prioritise embedding the Duty to ensure better consumer outcomes.

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Credit card spending rose by 2.6% between October and November

Analysis of credit card data for November 2025 by global analytics software leader FICO has found that spending, balances and payments followed seasonal trends in the run-up to Christmas. However, while spending rose as expected during November, it was lower year-on-year, signalling continued pressure on household finances.

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AperiData and Welcom Digital

AperiData and Welcom Digital are delighted to announce a strategic partnership to power smarter digital lending & collections.

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Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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Call us on 0845 456 5859