armchair-shopping.co.uk Report : Visit Site

Technical data of the armchair-shopping.co.uk

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armchair shopping life less hectic menu close home finance instant loans: how the man behind wonga put pace into payday may 28, 2017 kate hutchinson the demand for instant results is seeping into every corner of our lives. what’s more, our expectation of ‘instant’ has become faster too. but banking is notoriously slow to adapt. it wasn’t until 1999 that the co-operative bank launched smile, the first fully online banking service – that’s 15 years after the first internet shopper made a purchase! if you’re a generation x, you’ll probably recall making an appointment to ask for a loan at some point. banks insisted on meeting eye to eye so that staff could interrogate you about your financial position, as well as caress and photocopy your physical documentation. as we crossed over into the 21 st century, the very idea of instant loans seemed like a not so instant dream. the road to instant loans with a lack of momentum from the banks, it fell to internet entrepreneur errol damelin to break new ground. wonga.com in 2006, damelin came up with an idea for a modern, customer-centric approach to lending. his goal would be to provide customers with transparency, exact control of amount and payment date, and instant access to funds with no faxing or emailing documents . after a year of software development, damelin launched wonga.com in beta version, where customers could apply for short-term loans up to £400. from the outset wonga customers were able to complete their loan application entirely online; they could select the exact amount they wanted in £1 increments and choose their own repayment term from 1 to 35 days. however, there was still one piece of the jigsaw missing. although wonga’s risk assessment technology enabled them to make real-time lending decisions, it still required the co-operation of banks to get funds to customer’s bank accounts, which at the time was a not so immediate 3 working days. faster payments in 2008, damelin’s goal to provide immediate access to funds was finally realised when faster payments (britain’s first new payment service in 20 years) launched, making it possible for payments to be processed almost instantly. uk payday industry growth and expansion damelin’s model for fast, fuss-free loans was successful, turning wonga into the uk’s largest payday loans provider. the uk payday market continued to grow rapidly, reaching a peak in 2013, when 1.6 million customers took out 10 million loans with a value of £2.5 billion. approximately 400 direct lenders were reported to be operating at the time. the explosion in new payday loan companies, gave rise to another group of tech savvy firms, such as instant lolly . their technology provides prospective borrowers with a further layer of convenience — by giving them access to numerous lenders through a single application form. hold on cowboy, there’s a new sheriff in town! the financial conduct authority (fca) took over responsibility for consumer credit in april 2014. one of the new measures it introduced was a price cap on high-cost short-term credit (hcstc), which came into effect at the start of 2015. the fca defines short-term credit as ‘credit that is provided for a period up to a maximum of 12 months’, which includes payday loans and short-term loans. ‘industry shift’ the fca’s measures inevitably led to some payday lenders shutting up shop. others were forced to rethink business models to ensure they remained viable under the new regime. most lenders operating today, have since moved from offering payday loans to short-term loans. short-term loans are like payday loans, but they offer a greater degree of flexibility; they enable borrowers to spread the cost over multiple instalments instead of a single lump sum. ironically, wonga was last to update their portfolio, only introducing their 3 month ‘flexi loan’ in 2016. a final word whenever a product or service provides more convenience, there’s usually a price to pay. in the case of damelin’s ‘instant loans’, it’s higher interest rates. however, if you do find yourself in need of cash in a hurry, it’s another option to consider. the absolute final word as we all now know, damelin’s wonga famously collapsed into administration in august 2018. about me please to meet you — i’m kate — and welcome to armchair shopping. i’ve always been an advocate of armchair shopping. today, we mainly associate convenience shopping with the internet, but back in the early 90’s it was very different. do you remember searching for holidays via teletext using the tv remote or being seduced by the “unbeatable deals” advertised on the qvc tv channel? the internet has undoubtedly changed how, what and where we buy more than anything else — particularly for generation x’s like myself — so here’s a little window into 21st century armchair shopping. recent posts instant loans: how the man behind wonga put pace into payday legal privacy terms of use © 2019 armchair shopping. all rights reserved. fashionista by athemes

URL analysis for armchair-shopping.co.uk

http://www.armchair-shopping.co.uk
http://www.armchair-shopping.co.uk/category/finance
http://www.armchair-shopping.co.uk/
http://www.armchair-shopping.co.uk/terms-of-use
http://www.armchair-shopping.co.uk/instant-loans
http://www.armchair-shopping.co.uk/author/kate
http://www.armchair-shopping.co.uk/privacy
http://www.armchair-shopping.co.uk//#main-navigation
instantlolly.co.uk
fasterpayments.org.uk
handbook.fca.org.uk

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
armchair-shopping.co.uk

Registrant:
John Clegg

Registrant type:
UK Individual

Registrant's address:
The registrant is a non-trading individual who has opted to have their
address omitted from the WHOIS service.

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 30-Nov-2016

Registrar:
eNom LLC [Tag = ENOM]
URL: http://www.enom.com

Relevant dates:
Registered on: 26-Apr-2016
Expiry date: 26-Apr-2018
Last updated: 16-May-2017

Registration status:
Registered until expiry date.

Name servers:
dns1.registrar-servers.com
dns2.registrar-servers.com

WHOIS lookup made at 03:25:02 02-Jan-2018

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2018.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER co.uk.whois-servers.net

  ARGS armchair-shopping.co.uk

  PORT 43

  TYPE domain

OWNER

  ORGANIZATION John Clegg

TYPE
UK Individual

ADDRESS
The registrant is a non-trading individual who has opted to have their
address omitted from the WHOIS service.
Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 30-Nov-2016

DOMAIN

  SPONSOR eNom LLC [Tag = ENOM]

  CREATED 2016-04-26

  CHANGED 2017-05-16

STATUS
Registered until expiry date.

NSERVER

  DNS1.REGISTRAR-SERVERS.COM 216.87.155.33

  DNS2.REGISTRAR-SERVERS.COM 216.87.152.33

  NAME armchair-shopping.co.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2018.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED yes

Mistakes

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