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Industries: DIY

Why it’s important to offer financing? When you offer to finance – also known as payment options – to your customers, you are meeting their expectations. That’s because payment options are an integral part of every shopper’s experience. Whether you are shopping at a big box store or the mall, retailers are giving their shoppers […]

Financial inclusion at JO1N

Article takeaway: the financial industry must understand that poverty is a fact, not every customer is within the prime category, and the key focus should be on understanding the core audience Starting from the 2000s, when the world started digitalising, discussing financial inclusion has become a cliché. Financial inclusion is about accessibility, we hear. So […]

What is embedded lending?

The term ‘embedded lending (A.K.A consumer finance or BNPL) is referring to the solution that is integrated into the merchant’s sales processes which allow buyers to take home their purchase but pay for it over time.  In the past, the “Pay later” payment option typically referred to credit cards or interest-free period following the purchase, […]

MasterCard’s BNPL

On the verge of the battle between the giants, MasterCard has recently announced its expansion into BNPL products. It’s clear and obvious that despite being the infrastructure company, often working at the back, the company is slowly gliding out of the back-end targeting companies that a regular user is familiar with. FinTech’s, but not really, […]

What is GMV and why does eCommerce love it ❤️?

What is GMV and why everyone loves it? In the retailer reports, you can often see the data on GMV growth over time, especially for the BNPL companies. Let’s figure out what it is and why it is required. The indicator GMV (Gross Merchandise Value or gross value of goods) is the total value of […]

What do old school credit card lenders know about you?

Every time you make a purchase on a credit card or debit card, unlike the consumer finance or BNPL transaction, a record of that transaction is logged into a database of information collected by your credit card issuer. It is a common industry practice to analyse the data for trends. In exchange for the convenience […]

Consumer finance trends or where the industry will be in 5 years

Consumer finance is a subject that everyone has already faced or will soon face as an introduction to the subjects of personal finance and financial wellness. Nowadays, cheap, low-risk and household products-based loans (think of Klarna or Zip) are something that introduces first-time users to the world of lending and leads customers to more complicated […]

Are marketplaces our future?

Today we’d like to discuss the following topic: Why the future is about multi-offer solutions and how marketplaces empower consumers? It seems to be an obvious trend to see more and more services being constructed around one or another type of Marketplace. However, the number of parties against this tendency is also staying sufficient. So […]

eCommerce Marathon | Part 4 | Final

Dear Subscriber, We are delighted to welcome you to a new article in our weekly blog. Over the past two months, we have tried to fulfil the program as much as possible and implement our plans for integrating our service into various popular e-commerce systems. Today, our list of tools includes integrated modules for credit […]