Venture capital firm Viola Capital lists Divido as leading company in its new global Contextual Fintech list. Viola Capital places Divido alongside big names in its Lending category including Affirm and Klarna. In this blog we explain Contextual Finance and how it takes Embedded Finance to the next level. Embedded Finance took off in the payments space over the last few years. This burgeoning market – set to be worth US$588 billion by 2032 – enables non-financial institutions to offer financial services to their customers. Think making a one-click payment for a drink in a cafe. But despite i ..read more

Download Infographic Allow cookies to view this content. Click "Cookie Settings" below to manage your preferences, then refresh the page. We delved deep into the shopping habits of nearly 2,000 UK consumers to uncover the opportunities for merchants and lenders. Here’s what we found.  Gone are the days when retail finance was perceived as a niche payment option. We find the majority of UK consumers are open to using it; seven in ten (70.3%) of our respondents said they are either intending to, or may use checkout finance to make a purchase in the next 12 months.   What’s ..read more

Understanding the consumer journey is essential to crafting high converting user experience (UX) designs for embedded retail finance. It’s not just about providing financial solutions it’s about delivering seamless journeys that align with consumer expectations. From embedded journeys to intuitive interfaces, you must optimise every touchpoint to enhance user satisfaction and drive conversions.  Why is this important? Around 70% of baskets are abandoned at checkout – the most critical part of the customer journey. By removing friction from the process, purchase completions impro ..read more

London, 12 February 2024 – In a landscape where the financial sector faces an increasing onslaught of global cyber incidents, Divido, the checkout finance platform expert, today takes a significant step to empower its clients with enhanced security measures.  According to IBM, the financial sector is second only to healthcare in bearing the brunt of cyber threats, with losses per incident amounting to £4.7 million in 2023. In response to the escalating risks, Divido is proud to announce the launch of Divido Security+, a comprehensive security solution designed to augment the existing ISO ..read more

London, 15 January 2024 – Divido, a leading player in the world of retail finance, today announces the launch of its new brand identity, marking a significant step in the company’s journey towards redefining the landscape of retail finance. In an industry marked by constant change, Divido stands committed not only to navigating the currents of transformation but also shaping them for the benefit of its clients. Shaping the Future of Retail Finance The rebranding initiative is strategically positioned to propel Divido into a future where retail finance is synonymous with seamless customer exper ..read more

In the dynamic world of retail finance, the ability to adapt, innovate, and differentiate is key to success. At Divido, we don’t just want to navigate the currents of change; we want to shape them for our clients.  The post Divido’s Journey Towards a Bold New Identity appeared first on Divido ..read more

Last year, we asked whether 2023 would be the year of mergers and acquisitions in retail finance. Like others, we suggested that the ‘perfect storm’ of rising interest rates, inflation, regulatory pressures, and a squeeze on consumer spending would create choppy waters for the industry. Investors and venture capitalists, unwilling to pump more money into as yet unproven business models, would ask to see a path to profitability.  Those with sturdy balance sheets would stay afloat, while others would start looking for life rafts. This would leave banks – flush with customer deposits – to sw ..read more

The financial sector is hit by more global cyber incidents than any other sector, second only to healthcare, according to IBM.  Losses incurred by financial organisations in 2023 amounted to £4.7 million per incident. Powered by Divido clients can now further step up their retail finance solution security with Divido Security+. This solution is in addition to the ISO 27001 certified security already delivered by Divido and will help future-proof clients against Artificial Intelligence-based (AI) attacks and Phishing.   AI is by no means the only threat out there, but the UK’s Na ..read more

In the dynamic world of retail finance, the ability to adapt, innovate, and differentiate is key to success. At Divido, we don’t just want to navigate the currents of change; we want to shape them for our clients.  Our new brand is positioning us for the future, where retail finance is synonymous with seamless experiences, growth for lenders and merchants alike and enabling consumers to finance their moments that matter. Understanding Divido’s Role There are lots of players in the retail finance space, which is often incorrectly labelled as just Buy Now, Pay later (BNPL). We all do simila ..read more

“BNPL will reach $1 Trillion by 2028 with a CAGR of 44.6%. That’s the opportunity for lenders and merchants to grow into over the next four years.” Payments strategist Dwayne Gefferie opened his talk at Divido’s 2024 Kickoff with a bang this week.  “Even with a challenging environment, BNPL grew 50% through 2022 to reach $300 billion worldwide in 2023.”  A social media phenomenon in the payments world, Dwayne started out as a data scientist with ABN AMRO way back when. He now consults on payments strategy for companies from TikTok to MediaMarkt. Through his research Dwayne identified ..read more