ROStrategy

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Buy-Now-Pay-Later: How is this different from consumer lending?

There has been a lot written about the Buy-Now-Pay-Later sector the last few years. It has been growing at 39% per year in the UK, and this form of deferred payment is spreading from its origins in Europe, to the rest of the world now too. What is Buy Now Pay Later (BNPL)? Buy Now Pay Later (BNPL) is a way for consumers to make purchases, and defer payments for them to a later period,… Read more

Symptomatic Performance Diagnosis

Remotely assess operational risk and evaluate issues across the customer lifecycle  MANAGING THE CREDIT RISK PROCESS Credit risk is simply the assessment of the risk that a customer will default on payment for a product or services that has been provided. In many businesses controlling this risk is a critical element in profitability.  Accept too much risk, revenue loss increases; too little, growth is constrained.  It has to be just right, finding the ideal balance… Read more

UK Energy Supply Market Challenges

With global energy cost increasing, in the UK we have been seeing an increasing my of suppliers go out of business. There has been a lot written about htis in the media recently, but as ever it always good to look at the actual numbers rather than the headlines. So after crawling through various websites, I was able to gather the data and I was surprised to see the extent of the issue, the total… Read more

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