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What’s Going on In Lending
13%
Borrow from a
previous lender?
Source: Nostrum research 2016
Unchanged last 3 years
86% use comparison sites
13%
Loyalty
37%
Source: Nostrum research 2016
How important is brand?
48%
13%
Loyalty
Source: Nostrum research 2016
What about a low interest rate?
37%
Reputation
52%
0
2
4
6
8
10
12
14
Jan-95
Jan-96
Jan-97
Jan-98
Jan-99
Jan-00
Jan-01
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-09
Jan-10
Jan-11
Jan-12
Jan-13
Jan-14
Jan-15
Jan-16
Rate
(%)
Period
BoE Base Rate vs Actual Personal Loan Rate
Actual Loan Rate BoE Base Rate
Source: Bank of England - IUMHPTL Personal Loan over £10k
I must
borrow some
money today
I must
book a holiday
I must
buy ….
One click purchase
to one click loan
Source: Nostrum research 2016
E-sign 52%
Cash same day 58%
Cheaper online 77%
Self service 51%
Source: Nostrum research 2016
36% Pro use of SM in underwriting
92% Concerned about security
Richard Carter
Chief Executive
@nostrumgroup
Nostrumgroup.com
The Future of Lending

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The Future of Lending