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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 […]

eCommerce Marathon | Part 3 | Magento

The last 2 weeks have been full of great news, including successful application into the FCA Regulatory Sandbox and a successful seed round. Long ago, we openly announced our intentions to enhance our current online tools with additional modules regularly. Magento e-commerce platform is one such handy tool that can be used by small and […]

JO1N’s FCA Sandbox application journey

We are pleased to announce that JO1N has officially been accepted to the UK Financial Conduct Authority (FCA)’s Regulatory Sandbox which allows firms to test innovative offerings in a live environment. More information on the FCA’s sandbox can be found here. As part of the sandbox, we will be part of cohort 7 and will […]

10 Reasons to love JO1N

Consumer finance popularity is constantly growing according to Worldpay 2021 research, reaching $6.7 in the UK alone . Providing finance options to the buyers, SMEs can improve sales to up to 30%, ATV, offer better customer experience, loyalty, and higher LTV.  In recent year’s companies like Klarna and Clearpay suddenly appeared on the UK market […]

eCommerce Marathon | Part 2 | Zen Cart

We are glad to announce another integration of the Zen Cart module into JO1N. Now, any merchant operating via Zen Cart will benefit from higher sales & conversion.  In today’s time, there is numerous open-source and e-commerce software available. It is a hard task to define the clear winner among the platforms as each has […]

eCommerce Marathon | Part 1 | OsCommerce

We believe that it would be symbolic to start our Marathon dedicated to e-commerce platforms with the article on OsCommerce. Launched in the 2000s, OsCommerce is the granddad of the majority of famous platforms such as Magento and has kicked off the era of eCommerce infrastructures worldwide. Today, OsCommerce also has a wide and enthusiastic […]

Open Banking: good or bad?

In this article, you will learn how, as a consumer credit firm you can apply open banking data to understand borrowers better in these uncertain times. The consumer credit landscape is changing rapidly due to globalization and pandemics making it impossible for lenders to continue business as usual while still relying on traditional credit bureau […]

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Call us
To discuss our solution call us Monday to Friday, 9am - 5 pm, 07474 235 856
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Call us
To discuss our solution call us Monday to Friday, 9am - 5 pm, 07474 235 856
Mail us
We'll always aim to get back to you as soon as possible, hello@jo1n.com
Get social
You can reach out to us on Instagram, Twitter and LinkedIn