Articles

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Going global: disrupting the credit building world, one country at a time

When we first built Loqbox in 2016, we knew our mission - to end financial exclusion - was a global one.

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Remote Working

It has been over a year since the first UK lockdown where we all had to drastically change our usual working patterns. As a business owner, naturally I was worried about how our team would cope with the new, remote, ways of working due to lockdown. Luckily, people who apply for jobs with startup, fintech businesses tend to be those who like a fast paced, busy, work environment and as such, I was confident that productivity levels would remain high. My concerns however, surrounded our employees wellbeing and how Gregor (Gregor Mowat, my Co-Founder and Co-CEO) and I could support the team now more than ever.

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Digital Inclusion

We talk a lot about how passionate we are at Loqbox about Financial Inclusion. It is the backbone of our business and something we hold ourselves accountable for daily. But the other side of this, which is equally as important, is digital inclusion.

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Diversity in Fintech

A study last year revealed that less than 30% of the UK's fintech workforce was female. The same study also found that whilst less than 30% of the fintech workforce is female, only 17%of senior fintech roles are held by women.

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Could your score prevent you from getting a job? In short, yes.

Whether we think it’s fair or not, your personal finances can have a big impact on how you are judged by people who don’t know you.

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The history of Fintech

Fintech used to be the trendy term to describe Financial Technology. Now, it is commonly used and understood around the world.

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The Future of Credit Scores

In the past credit scores have been built from factors like your financial history and how you have used credit. Now however, the credit industry is changing.

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Credit Scores – Do they help or hinder the self employed

Self employment has its perks, you can wear what you want to the ‘office’, set your own hours and eatlunch at 10am if you so wish but it also has some down sides like an unpredictable income, but doesbeing your own boss impact your credit score?

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A Fair Credit Market

Since the inception of our business we have always believed strongly that a fair credit market for all requires products that responsibly help individuals to build a credit history in order to access credit products that are priced for their true risk.

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How do credit lenders use our credit scores?

Growing and maintaining a good credit score is something we should all be doing to make sure we have access to the financial resources we need to achieve our goals. But, it’s also important to understand what lenders look at when deciding whether or not to approve our loan or credit application.

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