Consumer credit provider Express Gifts has agreed a consumer credit agreement partnership with Welcom Digital’s Financier Lending Platform. Express Gifts offers existing and potential new customers access to affordable credit subject to a rigorous underwriting process that assesses the creditworthiness, indebtedness and affordability of each applicant.

Critically completed prior to peak-season trading, the data migration phase was the culmination of a successful collaboration project between Welcom Digital and the Express Gifts in-house team. Express Gifts configured and customised new loan products, introducing a loan lifecycle with integrated workflows taking full advantage of Financier’s service orientated architecture and rich API set to automate, extend and integrate with other systems in a fraction of the time taken for the legacy system. Express Gifts is working to introduce further credit products providing increased flexibility and choice for its 1.7m active customers.

FCA regulated Express Gifts is a multi-channel online value retailer, part of the Findel PLC group. Express Gifts, which primarily trades as “Studio”, has 1.7m active home shopping customers offering a revolving credit facility and regulated insurance products.