Overview

The only platform you need to get your consumer credit technology in shape for the future.

The NewDay Credit Platform helps brands and retailers managing large numbers of consumer credit accounts to tackle their key challenges:

Outdated & inefficient consumer credit technology infrastructure
Disparate systems that don’t integrate well
Escalating technology costs, complexity and risks
Difficulties and cost of adding new functionality to improve customer experience
Difficulties and timescales to efficiently launch new credit propositions

It's been designed from the ground up using decades of UK credit lending expertise (as a business, NewDay Credit issue 1 in 6 of all UK credit cards).

And it works. Brilliantly.

It’s now used by household names like John Lewis, Debenhams. AO.com and Lloyds Banking Group to power their credit products, as well as supporting our own range of credit card brands (Marbles, Bip, Aqua).

As a 100% modular platform you can use as much or as little functionality as you need.

There’s no need for system integration consultancy, either. Platform components are pre-integrated and modern APIs allow easy communication with existing data and technology if required.

From decisioning and underwriting, to servicing and collections, the NewDay platform enables you to modernise a creaking and disparate technology stack as well as adding functionality that delivers efficiencies and enhances the customer experience.

What it specifically helps with

Typically, customers use the NewDay Credit Platform for the following specific use cases:

Modernising legacy credit infrastructure and back-end systems with a cloud-native platform built for real-time transaction and authorisation processing.

The NewDay Credit Platform replaces outdated mainframe systems, enabling fast, secure “money movement” - from checking available credit to authorising purchases.
As a proven ‘end-to-end’ system, it reduces the cost, risk and complexity of transformation while opening up long-term opportunities to keep your credit products leading-edge.

Implementing a proven, effective and seamless customer acquisition and onboarding process

Pre-integrated with leading data providers the NewDay platform supports full digital application flows - from address and income capture to identity verification and credit decisioning.
Deploy out-of-the-box, fully branded journeys or integrate directly via flexible APIs to meet your UX, compliance, and data requirements.
Optimised for aggregator performance with instant decisioning and seamless handoff between systems.
Trusted, and proven system that has processed millions of applications

Launching fully-featured mobile and web servicing applications for account holders.

Deliver rich self-service functionality across mobile and web — from personal data management to statements, communications, and support for customers facing financial difficulty. Reduce reliance on call centres with features like pre-scheduled payments and proactive account management.
Backed by a continuously evolving roadmap, our white-label apps are highly rated by users and built to meet changing customer expectations.
Clients influence the roadmap and benefit from NewDay’s ongoing customer insights and market analysis.

Improving Agent Servicing / Back Office Applications

Our cloud-based, real-time agent servicing platform is a game-changer if you’re managing multiple legacy systems. Unlike traditional setups where agents juggle multiple applications, browsers, or green screens, the NewDay Platform consolidates all tools into a single, intuitive interface.

Building a Stronger Collections Platform

Effective debt collection is critical to managing risk and maintaining healthy customer relationships. NewDay’s Collections Platform is designed to replace slow, inflexible legacy solutions with a feature rich Platform that allows both the lender and customers manage their account when in financial difficulty.

Reduce time-to value and de-risk migrations by creating a unified Data Platform

NewDay’s bespoke credit data platform transforms complex, messy backend data into structured, actionable insights that empower business users across finance, credit risk, and operations. Designed to simplify data analysis and decision-making, it supports smarter, faster, and more informed business strategies.

NewDay Credit PlatformNewDay Technology

NewDay Credit Platform

NewDay Technology

NewDay Credit Platform

NewDay Technology

NewDay Credit Platform
NewDay Technology