Resources

SME lending is inherently unfair. It’s simply the reality of profit margins being higher for larger loans, and larger companies generally having higher levels of security. After all, a borrower with a thousand clients is probably going to be a safer bet than a borrower with only ten. But it doesn’t have to be this…

Credit card companies are seeing Buy Now Pay Later (BNPL) businesses (Klarna, Laybuy, Clearpay, etc.) take huge bites out of their market share. If the credit cards ever held out hopes that BNPL was a short-lived fad, that notion is rapidly fading. BNPL popularity is growing exponentially, and unless credit card companies act, this fight…

At the time of writing, the world feels more chaotic than at any time in recent memory. And yet we have to keep going. The financial and economic world doesn’t stop when chaos rules. And we have a responsibility to our industry and our employers and our customers to ensure that these systems remain solid.…

The FCA never met a credit innovation that they didn’t immediately want to wrestle to the ground. But we can’t really blame them. Innovation in credit products is generally about finding ways to lend more, more profitably. This inevitably leads to concerns for vulnerable consumers and the FCA’s role is to minimise customer determent.

International Personal Finance plc (IPF), the largest home credit business in the world, smoothly replaced their credit decision systems across multiple countries using GDS Link’s Modellica originations solution.

Tech enthusiasts, entrepreneurs and investors are all touting this as the greatest innovation of their lifetimes. A sure-fire way to capture the hearts (and wallets) of the consumers and a veritable goldmine of opportunity.

This has become a common question aimed in my direction over the last couple of decades from family, friends, customers, banks, processors, merchants, clients, trade bodies, regulators, law enforcement, and the media as each has sought to determine whether a certain action, engagement, or experience would constitute a criminal offence. Many are expecting a binary…

It seems like every time you refresh your social media, there’s another report of a huge transformation in lending and credit decisioning, just over the horizon.

How did your shopping experience differ this past sale and holiday season compared to the ones you have had before? I would wager it was either very different, or it was becoming incrementally changed by circumstances.

On the Internet, no one knows you’re a dog. But if Strong Customer Authentication (SCA) delivers on its promise, in the UK from 14th March 2022, that may no longer be true.

The banking industry used to be a synonym for trust, responsibility and security. They are the people, after all, that look after our finances and allow us to prudently enhance, and safely access, our wealth. Bank staff were historically considered to be individuals of the highest integrity; professional pillars of our communities.

Replay GDS Link’s latest webinar, gain expert insights around navigating the FCA’s measures