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Digital Lending Blog
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Richard Carter

Managing Director
Equiniti Credit Services
Member since
30 Jul 2003
Location
Harrogate
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Managing Director of Equiniti Credit Services, a provider of innovative and disruptive automated loan management software and servicing to banks, retail brands and finance providers in the UK.

Experience

Managing Director
Equiniti Credit Services
To Present
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Latest opinions

Richard Carter

2018 Looms Large. What Does The Future Hold for Lenders?

A New Game Awaits Digital fluency and a thirst for convenience are making the UK’s borrowers more capricious and cost-sensitive than ever. Interest rate rises, and new regulations will add fuel to this fire next year, and lenders that can’t keep up will get burned. 1) Lowest price wins In the digitised age of credit price comparison sites,

30 November 2017 Innovation in Financial Services

Richard Carter

Why are we more interested in how many steps we take rather than our credit score?

We live in a world where an ever growing amount of us have Fitbits, Jawbones and other tracking devices that are increasingly measuring and comparing our physical performance. We know how many steps we take, how many calories we’ve consumed (and expended), what our sleep patterns have been and, of course, how much we weigh. This rise of the quan

24 October 2016 Innovation in Financial Services

Richard Carter

The winner from PSD2 will be the consumer, but what about banks and lenders?

The recent Competition and Markets Authority (CMA) report on the state of the UK banking market had a number of things to say about future direction, though perhaps the most important was the endorsement of open APIs and, in particular re-enforcing the commitment to Payments Services Directive 2, or PSD2, to use the common abbreviation. But what

04 September 2016 Innovation in Financial Services

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Richard writes about

  • payments
  • retail banking
  • financial inclusion

Richard's opinion archive

  • 2017 (1)
  • 2016 (2)
  • 2015 (5)

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