Wave gives customers control whilst managing their money. With a clear, instant and flexible credit card and app, customers can apply in seconds, get a decision in minutes, receive a digital card straight away and their plastic card within days.

In the feature-rich mobile app, we give customers the flexibility they asked for. So they can make payments with Apple Pay and Google Pay, update their details, get spend alerts for purchases and freeze their card in an instant if they misplace it - all from the palm of their hand.

We’ve also built a simple repayment calculator available anytime in the Wave app that, in just a few interactive steps, shows customers how much of a difference paying back a bit more each month could make to their credit card account.

You can learn more about Wave and its features in the app, available on iOS and Android.

When we got our full banking licence, we launched SmartSave. We followed the same approach as LiveLend, listening to customers to create a simple way to save. Customers told us they wanted to open and manage their account entirely online, with support from a UK team if they needed it.

They wanted to earn interest from day one and, most importantly, they didn’t want their rate to drop to 0% at the end of their term. Plus, they wanted to know their money was 100% protected by the FSCS. So, we did just that.

LiveLend was designed with our customers to help them manage life's ups and downs. Understanding what was wrong with other loans helped us to design a better product.

Along with a rate that reduces as their credit score improves, customers benefit from a pre-approved, real rate offer that has no impact on their credit score. This helps them to shop around for the best deal. We also got rid of all fees as we think it's unfair to charge customers when they miss a payment.

Our latest product is BetterBorrow, a loan designed alongside our customers to be as quick and simple as possible. It has a fast application process with an instant online decision. There’s no paperwork, no long forms and customers receive their money in 30 minutes or less. It’s a better borrowing experience from start to finish.

Banking as a Service - a true solution

Regardless of which industry vertical you’re in, we can help you to deliver financial services to your customers. You can choose to take our full end-to-end solution which provides the banking licence, the balance sheet and all the technology you need to get started, or you can just pick the elements you need.

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Our tech

We only build technology where we believe we can create something better than the market, so decisioning and automating data driven insights have been at the forefront of our development. We've invested heavily in advanced data analytics and data sciences, creating a strategic data environment hosted natively in the AWS cloud, and incorporating advanced analytic tools such as machine learning and neural nets.

For other services we use our ecosystem of digital partners. This ensures we can stay ahead of the competition on service, cost and security. Our platform connects with innovative identity management, credit and data sources, payment firms and many other partners. All of which can be switched in and out to ensure our products remain current, secure and competitive.