In this presentation Nostrum Group explores what the future of consumer lending looks like; how legislation will affect the industry going forward and who are the next contenders to watch. Read more about our research here: http://bit.ly/1IsRduB

1. What’s Going on In Lending

5. 13%
Borrow from a
previous lender?
Source: Nostrum research 2016
Unchanged last 3 years
86% use comparison sites

6. 13%
Loyalty
37%
Source: Nostrum research 2016
How important is brand?
48%

7. 13%
Loyalty
Source: Nostrum research 2016
What about a low interest rate?
37%
Reputation
52%

8. 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

17. I must
borrow some
money today

18. I must
book a holiday

19. I must
buy ….

20. One click purchase
to one click loan

23. Source: Nostrum research 2016
E-sign 52%
Cash same day 58%
Cheaper online 77%
Self service 51%

24. Source: Nostrum research 2016
36% Pro use of SM in underwriting
92% Concerned about security

27. Richard Carter
Chief Executive
@nostrumgroup
Nostrumgroup.com