Current Affairs | Lending Works Blog

The brave new world of cryptocurrencies
Scott Robertson - 27 June 2019
Eighteen months ago, you could barely open the finance section of a newspaper without seeing headlines about Bitcoin.
Mark Carney: a tenure of inertia
Scott Robertson - 17 May 2019
The starting gun has been fired to seek out Mark Carney's successor as Governor of the Bank of England (BoE), but he will nevertheless remain in his post until January 2020.
Are falling house prices actually a bad thing?
Scott Robertson - 18 July 2018
Britons' obsession with home ownership is somewhat unique, and it is fair to say that many of our friends on the Continent are left perplexed by the importance we attribute to making the step up onto the housing ladder.
The rise of Generation Rent - and Generation Landlord
Scott Robertson - 21 February 2018
There are a number of statistics which emphasise the growing generational wealth divide in the UK; such as the projection that so-called millennials will be the first in modern history to be poorer than their parents.

Lending Works ranks 21st in the Sunday Times Hiscox Tech Track 100
Scott Robertson - 6 September 2019
As a platform, we take great pride in all that we've achieved since opening our doors for business nearly six years ago. We’ve
New product updates live!
Scott Robertson - 22 July 2019
Since opening our doors back in 2014, we’ve always prided ourselves on living and breathing two key principles at Lending Works: innovation, and putting the customer first in everything we do.
What is Retail Finance?
Scott Robertson - 28 June 2019
With the retail sector enduring its fair share of challenges, companies are looking at new ways to attract customers, and drive conversion. In an overcrowded, dog-eat-dog marketplace, with behemoths such as Amazon flexing their muscle, it’s easier said than done.
A guide to the new peer-to-peer lending FCA regulations (PS19/14)
Scott Robertson - 14 June 2019
On 4 June 2019, the Financial Conduct Authority (FCA) released its new regulatory framework for peer-to-peer lending (P2P); a Policy Statement known as PS19/14. As you might imagine, it's a document which, following a three-month consultation, is a hefty read of no fewer than 102 pages.
How risky are IFISAs?
Scott Robertson - 22 March 2019
When it comes to investing, there are numerous questions that need to be asked, and lots of things which need to be properly understood before committing your hard-earned money

How to improve conversion rates
Scott Robertson - 28 June 2019
In a difficult climate, customer acquisition and lead generation present stern challenges for UK retailers, and a great deal of marketing spend invariably gets directed towards getting feet through the door.
5 ways to improve customer retention
Scott Robertson - 27 June 2019
There is a variety of literature and research illustrating the importance of building brand loyalty, albeit with some degree of variance.
The rise of challenger banks
Michael Todt - 21 April 2016
Over the last decade, there can be little dispute that the reputation of mainstream banks – and particularly the so-called ‘Big Four’ (HSBC, Barclays, Lloyds and RBS) – is at its lowest ebb.
Peer-to-peer lending explained
Nicholas Harding - 2 March 2015
The idea of peer-to-peer (P2P) lending is a simple one; you lend money to those who wish to borrow, with a view to receiving a great return for doing so.
FCA regulation of the peer-to-peer lending industry
Nicholas Harding - 18 April 2014
The peer-to-peer (P2P) lending industry is now regulated by the Financial Conduct Authority (FCA). The regulatory framework has been designed to protect customers and promote effective competition.

Is capitalism under threat?
Scott Robertson - 19 September 2019
Last September marked 10 years since the demise of Lehman Brothers, which opened the floodgates for the financial crisis, and the deep worldwide recession that followed.
Should the Bank of England remain independent?
Scott Robertson - 12 September 2019
In the 1970s, it was standard fare for governments to manipulate interest rates, particularly in the run-up to a general election. Lower borrowing costs keep a lid on unemployment, and stimulate economic growth.
Time for dynamic solutions to the state pension
Scott Robertson - 5 September 2019
When it comes to pensions spending, it's fair to say there are plenty of conflicting reports circulated within the media.
Are long-term mortgage fixes a good idea?
Scott Robertson - 30 August 2019
For close followers of financial forums, one oft-trotted line among brokers is that fixing one's mortgage has seldom been to the retrospective benefit of the homeowner in the past 25 years.
The merits of a standalone ISA for peer-to-peer lending
Scott Robertson - 22 August 2019
One of the hallmarks of the cash ISA's success following its launch two decades ago was its simplicity, and it has undoubtedly proved a popular choice among UK savers.