Helping organisations build better,
more effective businesses

About Welcom Digital

Established in 1978, Welcom Digital has a long and proud history in the software sector and is a leading provider of innovative products with unrivalled experience in building flexible digital lending solutions for the UK's best-known brands.

Our ethos is to create long-lasting, open and honest relationships with our clients, creating a key focus on improving business processes to ensure continued success. We are committed to accelerating product development in line with existing client requirements, marketing opportunities and ongoing technical advances.

 

Our flagship software solution is our loan management platform, Financier™ but we also have a number of high profile clients who utilise our supply chain based solutions and with whom we have created partnerships of over 20 years.

 

As a company, we have a strong emphasis on governance, with an in-house Project Management Office in place to assist with projects, and external recognition via PCI compliance.

 

We are proud to have a team of exemplary and experienced people on board, helping to drive the success of the company through boundless enthusiasm and passion for technology.

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Our Customers

Welcom Digital works in partnership with our clients to help them achieve their strategic goals.

Studio Retail Limited

Studio Retail Limited has successfully migrated all credit
agreements to the Welcom Financier lending
platform

Partners

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Microsoft is a leading developer of software systems, consistently transforming the way people live,
work and connect through technology. Microsoft develops a huge range of software products,
spanning from operating systems to video games. Currently, Microsoft operates globally in 190
countries and has several research and development centres around the world.

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TransUnion UK (formerly known as CallCredit), an established credit reference bureau, unlocks value for business and consumers by the
secure and innovative transformation of data into intelligence and insight, enabling transactions across
multiple channels and markets. Using APIs, Welcom's Financier solution is integrated with this powerful tool.

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Sage Pay is a leading independent payment service provider (PSP) and one of the most trusted
brands. Sage Pay provides the ability to accept payments in minutes, using their simple drop-in checkout
or by customising payment pages via integration. Access to their cloud based reporting and analytics
tool allows management of online and instore transactions in a single place.

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PayPoint is a leading specialist payments company, processing consumer payments across a wide
variety of markets through its retail networks, internet and mobile phone channels.

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WorldPay provides multi-channel global payment processing services and advances fraud prevention
and risk management solutions to the financial sector. Combining smart thinking and an end to end solution,
WorldPay helps customers transcend the complexities and expense associated with payment processing.

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Experian, a leading credit reference bureau, makes information available to lenders to assist in the decisioning 
process via integrated APIs to Financier.

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Welcom Digital has a strategic partnership with the South African based, international data analytics and consulting company,
Principa.

Already established in the UK, Welcom Digital has been successful in winning new customers in South Africa
and building a relationship with industry expert Principa. Welcom quickly realised that Principa’s local
knowledge and experience naturally complemented our own product and service offerings, which will help
financial services clients in S.A. (and beyond) minimise risk, increase profitability, and outperform their peers.

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The PrinSIX platform and team help lenders across all sectors of consumer credit get a full understanding of applicants through
highly efficient application journeys that turn good applicants into responsible borrowers.

With PrinSIX, onboarding stops being a ‘one size fits all’ process and moves to being a digital conversation.
Analytics is no longer passive but controls the conversation.

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Acquired.com is an independent payments business providing solutions to overcome the many challenges faced when processing, collecting and remitting payments.

 Acquired.com’s deep data expertise and consultative approach streamline and digitises payments, enabling businesses to accelerate their growth. Their payment solutions make it simple for lenders and financial businesses to send payments to customers in seconds and efficiently collect funds via card processing.

 Acquired.com has now become a single, one-stop-shop platform for all payment needs. They are an FCA-regulated business, an EMD Agent and a licensed Payment Initiation Service Provider.

Our Accreditations

Microsoft Gold Partner

Microsoft Gold Partner

As a Gold Certified Partner, we’ve demonstrated expertise with Microsoft technologies and a proven ability to meet customer needs.

PCI DSS validated

PCI DSS validated

Welcom has been validated against the PCI DSS standards and has a PCI DSS compliant hosting area.

ISO27001

ISO27001

Welcom Digital has successfully achieved ISO27001 certification

Consumer Credit Trade Association

Consumer Credit Trade Association

Welcom is a member of the CCTA and work closely with them, regularly attending and sponsoring events and forums.

Finance & Leasing Association

Finance & Leasing Association

In its commitment to maintaining high standards in the provision of consumer finance, Welcom is a member of the Finance and Leasing Association (FLA).

NCC Group

NCC Group

World leading provider of Escrow Solutions; customers benefit from the security of knowing that their investment in Welcom is backed by the NCC Escrow Solution assurance.

What Our Clients Say

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We particularly like their partnership concept in systems development.

Andrew Cheyne, Don Fishing

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What Our Clients Say

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Welcom showed a high standard of knowledge, expertise, professionalism and research.

FGH (Freemans Grattan Holdings)

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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.

Natalie Miller, CITB

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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. 

Mike Palmer, Frasers Group Financial Services

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Our Insights

Eight in ten mortgage brokers optimistic amid economic challenges

New research reveals that there is healthy optimism among brokers about the future of the UK mortgage sector, despite a challenging economic backdrop, including stamp duty rises expected in April and falling rent prices causing worries for buy-to-let buyers.

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Consumer finance new business fell by 1% in November 2024

New figures released by the Finance & Leasing Association (FLA) show that consumer finance new business fell in November 2024 by 1% compared with the same month in 2023. In the eleven months to November 2024, new business in this market was 1% higher than in the same period in 2023.

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Economic growth forecast slashed for 2025

The EY ITEM Club Winter Forecast is predicting that UK GDP growth will be at 1% in 2025, down from the 1.5% growth projected in October’s forecast. This represents only a marginal improvement on the 0.8% GDP growth the UK economy likely achieved in 2024.

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House price affordability improves, but average first-time buyer still paying five times salary

Wages outstripped house price growth last year resulting in a “modest improvement” in affordability for buyers, according to mortgage lender Nationwide.

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Mortgage affordability improving but borrowers still stretched: Nationwide

There has been a modest improvement in UK housing affordability over the last year, due to earnings growth marginally outpacing house price growth and a slight reduction in average borrowing costs.

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Consumer confidence falls but analysts say 2025 could be better

Consumer confidence dropped marginally in the last quarter of 2024, according to the Deloitte consumer tracker.

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Call us on 0845 456 5859

Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 4565859

F 0845 4565253

Office hours

9am to 5.30pm Mon to Fri