Economic News | Lending Works Blog

The EU referendum debate and us
Michael Todt - 18 February 2016
If you dare open a newspaper these days, it's difficult subject matter to avoid.
The experts' view of our economy in 2016
Michael Todt - 28 January 2016
The year 2015 certainly didn’t come without its challenges, but we all stopped to take a breath at the end of it to enjoy the New Year’s Eve festivities.
Did Osborne miss a trick at the Spending Review?
Michael Todt - 26 November 2015
It wouldn’t be a George Osborne speech in the House of Commons unless there was a dramatic headline.
Autumn Review: 4 things we'd like to see from George
Michael Todt - 19 November 2015
Who would want to be George Osborne right now?
UK Budget deficit: Why all the fuss?
Michael Todt - 11 November 2015
It’s been at the epicentre of all things polarising in many of George Osborne’s policies.
Deflation, and a more expensive life
Michael Todt - 15 October 2015
Summary of a post.
Corbynomics, Clinton-Greenspan and Lady Luck
Michael Todt - 24 September 2015
“They’re poverty deniers! Austerity is a political choice being imposed on the poorest and most vulnerable!”
4 things we’d like to see at the Summer Budget
Michael Todt - 7 July 2015
Set against the backdrop of Greek financial turmoil, raging debates on the merits of austerity, and unrest over impending welfare cuts, Wednesday’s ‘emergency’ Budget – the Conservatives’ first in more than 18 years.
Deflation: Cheer or fear?
Michael Todt - 15 April 2015
Depending on your predisposition to decimal places, Britain may well have dipped its toes into the murky waters of deflation in March.
Top 5 things you should take from Budget 2015
Michael Todt - 19 March 2015
The blurred lines between politics and economics were very much in evidence at Wednesday’s pre-election Budget, and whether George Osborne’s speech was a success in the context of the former will be debated in the days to come.
The Budget 2015: What should you expect?
Michael Todt - 16 March 2015
As all eyes fall on George Osborne for Wednesday’s delivery of the Budget, we wanted to share our thoughts with you as to what might be in store.

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Credit risk performance update - April 2020
Ines Maia - 30 April 2020
Summary of a post.
Credit risk performance update - January 2020
Ines Maia - 29 January 2020
In line with our risk management framework, today we published our Q4 2019 performance update.
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.

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Our take on Budget Day 2020
Anthony Burgess - 13 March 2020
Wednesday’s Budget speech, coupled with the cut to Bank of England rates, represented a decisive response to the coronavirus. Here we analyse the impact it will have on mitigating disruption from Covid-19, along with the long-term implications of this significant fiscal stimulus.
A crucial Budget for UK enterprise
Anthony Burgess - 3 March 2020
Rumblings from the Treasury ahead of next week's Budget suggest tax grabs will be needed to fund increased spending, and it appears UK enterprise could be in the firing line. Here we articulate why targeting entrepreneurs and small business is ill advised.
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.

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IFISAs: an appealing middle ground this ISA season
Anthony Burgess - 18 March 2020
The 2019-20 ISA season has been a damp squib, with banks disinterested in attracting savers’ cash, rates cut, and the stock market in freefall. However, the emergence of the IFISA means alternatives beckon for those seeking a stable middle ground in terms of risk and reward.
Why do asset prices keep climbing?
Anthony Burgess - 25 February 2020
In a decade of slow recovery, the rapid rise in asset prices has been the standout. But how sustainable has price growth been, and could we be in the midst of a bubble?
Fear not for British retail – an exciting future awaits
Robbie Humphreys - 19 February 2020
Summary of a post.
Income Tax: It’s here to stay
Anthony Burgess - 11 February 2020
Most people consider income tax to be a given, but in the UK it is barely two centuries old. In this article, we look at how this tax has developed over the years, and also why it is set to remain at the core of our tax system for many decades to come.
Open banking: slow, but steady progress
Anthony Burgess - 5 February 2020
Open banking celebrated its second birthday last month, but has the ‘revolution for financial services’ that was promised actually come to pass? In this article, we look at the progress the initiative has made so far, and what the future holds in the face of high levels of scepticism.
Has the energy price cap worked?
Anthony Burgess - 28 January 2020
On the face of it, a 'broken' energy market needed fixing, and the price caps introduced in early 2019 were heralded as the solution. But, one year later, have they actually helped consumers save?

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