Blog

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, […]

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 […]

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 […]

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 […]