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 […]

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 […]

Responsible lending at JO1N

How lenders define who to lend money to? A credit check is a snapshot of the buyer’s financial position to assess the creditworthiness. There are two different types of credit searches; one that won’t affect your credit rating, and one that would. ‘Hard’ is a type of search when the lender will run checks to […]