The future of lending, ready to launch

Embed Financier seamlessly to accelerate growth, improve customer outcomes and lead in the digital lending era.

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About Welcom

Driving digital transformation 

Welcom Digital combines decades of expertise with dedicated and passionate people to design flexible, effective solutions that help businesses succeed in a connected world.

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Why choose Financier—a smarter way to power digital lending

Our API-first, multi-brand platform streamlines administration and automates key business processes—giving lenders more time to focus on customer outcomes and stay ahead of regulatory requirements.

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Over £10 billion transacted through Financier

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From smaller clients to FTSE100 companies

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Digital lending capability for the FinTech sector

What Our Clients Say

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The new integration between Welcom Digital’s Financier LMS to Provenir’s AI-powered fraud and credit risk decisioning solution is a key part of our investment in digital finance options tailored to our customers' individual needs and I can’t thank the Welcom & Provenir teams enough for their support throughout.

Stuart Daniels, Chief Credit Officer, FGH (Freemans Grattan Holdings)

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What Our Clients Say

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Thanks to all at Welcom for helping us to get over the line and deliver. Great team effort all round. 

Frasers Group Financial Services

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What Our Clients Say

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We particularly like their partnership concept in systems development.

Don Fishing

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What Our Clients Say

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Welcom Digital worked to understand and capture our requirements and then produced a system specification that adopted standard build options where possible and introduced custom built functionality where required.

CITB

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Our Insights

Blog

Detailed Guidance: Preparing for the FCA’s New BNPL Rules

With the changes to Buy Now Pay Later (BNPL) coming into force from 15 July 2026, now is the time for firms affected by the changes to review processes, systems and get ahead before the effective date

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In the press

First-time buyer mortgage pricing opening door to Bank of Family lending

First-time buyer mortgage price wars are opening the door to increased use of later life lending by the Bank of Family, according to Key Partnerships.

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In the press

Mortgage lending rises to its highest level since 2021

Latest UK Finance data has shown that mortgage lending grew strongly in 2025, rising by over 16 per cent to its highest level since 2021.

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In the press

Later life lending increases by 15.1%

UK Finance has released its latest data on the later life mortgage showing that lending increased by 15.1% in Quarter 4 (Q4).

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Blog

Buy Now, Pay Later Is About to Change: What the New FCA Rules Mean for Retail Credit Providers

The UK’s Buy Now, Pay Later (BNPL) landscape is entering a new era. From 15 July 2026, firms must be FCA authorised (or and comply with outcomes-focused rules.

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In the press

FCA proposes action to close gaps in borrowers’ credit files

Lenders could have access to more comprehensive information to support lending decisions, under new proposals by the Financial Conduct Authority (FCA).

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Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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