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

FCA confirms temporary financial relief for customers impacted by coronavirus

FCA confirms temporary financial relief for customers impacted by coronavirus

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FCA sets out priorities for 2020/21

The Financial Conduct Authority (FCA) has today set out its business priorities for the year ahead – with specific focus on the challenges presented by the coronavirus (Covid-19) pandemic.

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FCA publishes information for firms on Coronavirus (Covid-19)

The FCA said that it stands ready to take any steps necessary to ensure customers are protected and markets continue to function well.

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Spring Budget 2020 - Consumer Credit reaction

The Spring Budget, and the Bank of England interest rate cut and liquidity support, will provide some direct and indirect support during the uncertain period ahead according to StepChange.

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Leeds FinTech report

Leeds FinTech sector continues to strengthen, according to new report by Whitecap Consulting

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Dear CEO: FCA writes persistent debt letter

The Financial Conduct Authority (FCA) has written to credit card firms telling them to review their approach to borrowers who are stuck in persistent debt, where they are paying more in interest, fees and charges than they are paying of their balance.

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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