Blog

JO1N: Advantages of a consumer finance broker

Our holistic approach Attempting to offer the cheaper credit option for the buyers and SME businesses at the same time requires deep expertise in dealing with merchants of such size. We have experience in dealing with SME’s and strategy in place to bring that “right at the checkout” lending comparison tool to the UK, so […]

UK business landscape: consumer credit

This year has seen the rise of frictionless payment platforms offering ‘buy now pay later’. Big players in the market include Klarna, AfterPay, and QuadPay – all of which are being adopted by online retailers with Gen Z and Millennials. However, over half of UK SMEs are being left behind by the digital revolution, allowing […]

Responsible lending at JO1N

How lenders define who to lend money to? A credit check is a snapshot of the buyer’s financial position to assess the creditworthiness. There are two different types of credit searches; one that won’t affect your credit rating, and one that would. ‘Hard’ is a type of search when the lender will run checks to […]

UK business landscape: SMEs

Over half of SME’s are being left behind by the digital revolution, allowing more tech-savvy and large retail chains competitors to win new customers at their expense, consistent with a study by Ironmongery Direct. 10,000 business owners participated in the study to look at the marketing habits of trade businesses across the UK. The findings […]

KYC: How we avoid fraud at JO1N

Almost every aspect of our everyday lives is becoming more convenient as everything has shifted to digital nowadays. Previously, there were only banks or FX shops to deal with finance-related operations, which at times would include extremely long waiting time. Now, giving our personal data for the sake of convenience and time saved. For example, […]

QR code lending – what is it and how does it work?

QR codes have entered our everyday lives back in the 2000s: groceries, clothing, books, DIY – you name it. Despite the recent rapid growth in demand for QR codes in Asia, the adoption rate in Europe remained low for quite a while. QR product has mostly been known as a tool for accessing information As […]

Overview: UK BNPL landscape

The increasing popularity of Buy Now, Pay Later (BNPL) online purchases is growing at a rate of 39% a year according to Finder (2020), with market share set to double by 2023. Nearly 9.5 million Brits said that they avoided buying from retailers that don’t offer BNPL options at the checkout. This popularity looks set […]

Going Phygital: Series1: Offline vs Online

What is a phygital distribution model?Whenever we mention the word ”digital”, the question arises: what about the customers that are not that tech savvy? One approach that is rapidly gaining traction is the idea of using a distribution model that combines physical and digital channels—a “phygital” model. Even as customers are turning to digital and […]

What is BNPL and why it rocks?

Buy now, pay later is a simple concept: instead of buyers paying at the till or online checkout, the BNPL provider pays the retailer for the buyer. The buyer then agrees to pay the BNPL provider back over a few weeks or months, meaning the buyer can spread out buyer shopping costs. It simply means […]

Why JO1N us?

Frankly speaking, there are many reasons to join if you are a buyer and want to have a smooth shopping experience, boost the sales of your store or get reliable borrowers for your lending organisation. But here is a list of few: Benefits for buyers It’s Quick. Sign up is smooth, don’t spend another minute […]

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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, team@jo1n.com
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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