Why BNPL might not always be unregulated
As I've noted in an earlier blog, Buy Now Pay Later (BNPL), the short-term variant of retail point of sale finance, has been growing at a...
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Tips for retailers thinking about renting and leasing for the sharing economy
In the past week, both John Lewis and Selfridges have announced new rental schemes, apparently intended to signal the retailers’ shift...
Can lenders trust what customers tell them when assessing affordability?
One of the trickiest parts of consumer lending now is assessing the affordability of the loan for the consumer. In an excellent detailed...
What's new in the FCA's Re-lending by High-Cost Lenders report?
Today the FCA has published the findings from its review of re-lending by firms in what it calls the 'high-cost lenders portfolio'. A lot...
Time for Buy Now Pay Later sector to self-regulate
Why AFP believes the time is right for the Buy Now Pay Later sector to implement effective self-regulation
Are retailers sold on subsidised POS Retail Finance?
The standard arguments in favour of Point of Sale (POS) retail finance are familiar: Higher sales and bigger purchases. New research...
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