Helping digital lenders offer personalised
credit products via a web-based digital
lending platform.

Overview

Helping digital lenders provide personalised credit products via a web-based digital lending platform.

Welcom provides flexible lending and collection solutions for both commercial and consumer finance with our leading enterprise platform, Financier. Our clients range from high street names offering retail finance and revolving credit, through to providers of fixed term and marketplace loans.

 

Financier's unique module system allows credit providers to rapidly deliver new products to their chosen market, whether consumer or commercial, regulated or unregulated agreements. Our solution is designed with compliance and the FCA regulations central to our thinking and can be configured to promote a sustainable and controlled business model to support a TCF culture.

 

 

About_img

Financier Modules

products

Commercial Lending

Full loan servicing
flexible platform.

products

Consumer Lending

Efficient and fully supported
solution for consumer finance.

products

Line of Credit

Providing affordable, personalised
offers to consumers.

Key Benefits

Our robust and scalable digital lending platform helps our customers improve their
efficiencies and allows them to focus on improving their customer service and helps them drive down the cost of lending.

Collections Module

Pre-configured collections module offers integrated ‘out of the box’ standard collection and recovery solution to complement the loan administration functionality of Financier.

  • Automated standard collections process with integrated daily tasks and worklists
  • Specialist treatment paths
  • Arrangements management
  • Improve agent productivity
  • Configurable workflow for automated communications

Personal Loan Module

Flexible and scalable personal loan module,
developed to support a range of loan types.

  • Flexibility 
  • Multi-product 
  • Multi-brand 
  • Rapid deployment and testing of new financial products to market 
  • Champion challenger 

Self-Servicing

The self-service / My Account area allows the customer to carry out a range of tasks and provides benefits such as:

  • Reduction of operational costs
  • Improved customer experience
  • Access to information and transparency of customer account
  • Additional payments

Key Features

Key Features

Integrated document management suite, streamlining operations through high levels of automation and self-servicing.

Key Features

Supports CPA, BACS, AUDDIS, ADDACS and ARRUDS processing.

Key Features

Multi-channel solution supports the full lifecycle of business applications, providing the ability to deliver personalisation.

Key Features

Financier’s console can be deployed for end to end processing or on a component basis, supporting the needs of ‘start ups’ right through to enterprise level.

Key Features

Evidence based decisioning and workflow modules.

Key Features

Financier’s service orientated architecture and rich APIs enable you to automate, extend or integrate with other systems in a fraction of the time taken for legacy systems.

What Our Clients Say

icn

We particularly like their partnership concept in systems development.

Andrew Cheyne, Don Fishing

icn

What Our Clients Say

icn

Welcom showed a high standard of knowledge, expertise, professionalism and research.

FGH (Freeman Grattan Holdings)

icn

What Our Clients Say

icn

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.

Natalie Miller, CITB

icn

What Our Clients Say

icn

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

Mike Palmer, Express Gifts Ltd

icn

Our Insights

ScotCash win twice awards at the Credit Awards 2018!

Welcom Digital is delighted to congratulate ScotCash on winning two awards at the prestigious Credit Awards 2018!

Read More

Labour pledges cap on overdraft fees and interest payments

Labour says it would cap the total amount anyone could pay in bank overdraft fees or interest repayments. Shadow chancellor John McDonnell said he wanted to end the "national scandal" of low paid families trapped in debt. Labour said the policy could help 2.7 million people who are stuck with permanent overdrafts, saving them the equivalent of £86 each per year. The Treasury said it had already tightened the rules to protect debtors and cracked down on payday loans.

Read More

Global FinTech funding hits record $5.4bn in Q1

VC-backed FinTech firms raised a record $5.4 billion in the first quarter of 2018, boosted by a dozen mega-rounds of at least $100 million, according to the latest figures from CB Insights

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£1bn deal for Leeds credit reference business

Callcredit Information Group, which is understood to be the second largest consumer credit bureau in the UK, has been bought by New York Stock Exchange-listed TransUnion.

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Third of consumers see defaults as lenders’ responsibility

Nearly a third of consumers see defaulting on a loan payment as being the fault of the lender rather than the borrower, a report has found.

Read More

Consumer lending dropped 'significantly' in first quarter of 2018

The availability of consumer credit dropped “significantly” in the first quarter of 2018, according to a survey of credit conditions published by the Bank of England.

Read More

Call us on 0845 456 5859

Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 4565859

F 0845 4565253

Office hours

9am to 5.30pm Mon to Fri