Joint Venture will see Clay’s Brandable Credit™ Platform integrated with Pepper Advantage’s proprietary loan management and data analytics platform Pepper Advantage invests seed funding; investment and joint venture will transform the fintech sector by providing a single, integrated platform that...

As the leaves fall and the nights draw in, recent data from UK Finance and Pepper Advantage's own Q3 UK credit intelligence report paint a stark picture of the challenges facing the UK mortgage market this winter. The convergence of these reports signals a period of heightened financial stress for...

Global credit intelligence provider, Pepper Advantage, has published data on its 100,000+ UK residential mortgage portfolio, which shows a 23.3% annual jump in the arrears rate in Q3 2023 to reach a post-financial crisis high This forecast is corroborated by the rate of Direct Debit Rejections, a...

This report is the latest in a series that tracks mortgage data across Pepper Advantage’s UK portfolio of over 100,000 residential mortgages. It is important to note at the outset that our portfolio has a higher composition of borrowers who qualify for needs-based support and are therefore more...

UK trade envoys recently visited India as the two countries seek to conclude nearly two years of negotiations. Indian media are reporting that a deal could be reached by the end of the month. A deal would bring the two countries closer together and pave the way for deeper commercial cooperation.

Growth driven by demand for credit management and technology in higher interest rate environment Data and technology investments lead to new customer wins across both banking and non-banking sectors Strong Asian growth driven by Indian and Indonesian markets

Many have asked this question in the UK as the FCA’s new Consumer Duty rules have come into effect. While these rules don’t define consumer duty per se, they do require financial services firms to put consumer duty into practice by acting to “deliver good outcomes for retail customers.”

In our previous article, Fraser Gemmell, Group CEO, took a look at the current market environment in the UK and some of the steps that can be taken to ease the financial stress we see rising alongside interest rates. He highlighted the importance of understanding a given situation through a...

Pepper Advantage is headquartered in the UK, where inflation, the rising cost of living, and interest rate rises dominate headlines, and borrowers are worried. Our call centres reflect the scale of this worry – we’re seeing more mortgage holders contacting us with concerns about what rising rates...