Blog

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 […]

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 […]

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 […]

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