Overview: UK BNPL landscape

The increasing popularity of Buy Now, Pay Later (BNPL) online purchases is growing at a rate of 39% a year according to Finder (2020), with market share set to double by 2023. Nearly 9.5 million Brits said that they avoided buying from retailers that don’t offer BNPL options at the checkout. This popularity looks set […]

Going Phygital: Series1: Offline vs Online

What is a phygital distribution model?Whenever we mention the word ”digital”, the question arises: what about the customers that are not that tech savvy? One approach that is rapidly gaining traction is the idea of using a distribution model that combines physical and digital channels—a “phygital” model. Even as customers are turning to digital and […]

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 […]

What is JO1N?

JO1N is a corporate start-up in the BNPL space. Our goal is to provide local businesses with pay overtime solution, higher authorization rates and decreased marketing costs.Preparing for the launch in the UK, we focus on the following key areas: a) SME BNPL services focused on local communitiesb) One-stop solution to banks & financial institution right at […]

Cultivating key principles that make us JO1N

There is a set of core values that run through JO1N. We care about our customers and employees equally, and we make sure to cultivate the most outstandable culture possible for all who engages & joins us. The culture revolves around the sense of community, cooperation, and inclusion. To be JO1N is to be thoughtful, […]