From buy-now-pay-later and electric vehicles, to the effect of AI on credit analysis and creditworthiness, technology is disrupting consumer finance, just as it is other financial services.
Already one of the world’s biggest consumer finance players, Santander is not standing still – not in its scale, in its relationship and funding model or in its technology for modelling risk and approving loans.
At a time when fintech consumer lenders are increasingly eyeing bank deposit relationships, the Santander group has a clear lead – even over other bank-owned players.
Crédit Agricole, for example, last year laid out plans to turn its French digital bank, BforBank, into a pan-European savings platform starting in Germany.
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