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 […]

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 […]

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 […]

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 […]