Line of Credit

Providing affordable, personalised offers to customers through a line of credit

Flexibility built in

Financier™ enables providers to have the flexibility to provide a line of credit for their customers.

The solution gives an alternative overdraft account whereby a drawdown is made against the available credit facility to allow the customer to access funds up to the agreed limit.

Customers can defer taking the full amount of the loan and will only repay the amount they use.

 

 

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Personalisation in digital lending

The UK retail market has been revolutionised by digital lending - this is the start of the customer journey and enables expanded credit opportunities.

This relates to, in particular, a retailer’s ability to personalise the digital journey at customer level and drive the ability to provide customised credit terms.

By the use of technology, digital lenders are able to change their offerings and promotions daily for retail customers. Financier provides the ability to deliver a consistently personalised, on-brand experience for each individual customer effortlessly. The solution can interface with existing sites or via web services to an existing ecommerce platform, providing POS credit.

Our Insights

Welcom Digital at the CCTA

Welcom Digital is delighted to be sponsoring and participating in the CCTA’s Conference on Thursday 7th November at the Nottingham Belfry Hotel.

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Bank of England governor appointment set to be delayed

The highly-anticipated appointment of a new Bank of England governor could be delayed until after a general election. The successor to Mark Carney is not likely to be decided by the current autumn deadline.

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Consumer finance new business grows by 4% in July

New figures released by the Finance & Leasing Association (FLA) in September 2019, show that consumer finance new business grew by 4% in July, compared with the same month last year.

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Customer 360 Event - Cape Town 2019

This event explores how organisations recognise that CX (customer experience) is the new battleground for differentiation. It considers how this rich complexity can drive better customer experiences and ultimately business success.

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Welcom Digital selected as a finalist in Credit and Collections Technology Awards

We are delighted to announce that Welcom Digital is a finalist, along with our client Quanta Law, in the Credit & Collections Technology Awards 2019, in the Finance Lending Solution category.

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World FinTech Report 2019 - featuring Open Banking and Open X

Capgemini and Efma have published a paper called 'World FinTech Report 2019'. Its discusses how open banking will eventually transition in an Open X phase, in which standardised API's, insights from customer data and effective collaboration prevail.

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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