The UK lending market is in the grip of a seismic shift, driven by significant M&A activity, choices being made by laggards in the digital transformation race and the regulatory impact of tightening capital requirements.
Just like in any market change, adjustments also present opportunities. The changes taking place will be exploited by nimble niche or specialist lenders and those who fund them. These lenders can cater to underserved markets, such as small businesses, freelancers, and specific demographic groups, offering tailored loan products that traditional banks overlook.
Traditional lenders, who for a variety of reasons may not wish to be directly involved in such niche lending are still maximising income and profit in those markets, by focusing their activities on the funding of specialist lenders who, in earlier times, would have been considered competitors.
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