Credit is just the tip of the financial education iceberg

We need to provide more empathetic paths back to credit worthiness for consumers trying to correct past mistakes. And all of these changes need to be delivered in partnership with organisations closest to the most vulnerable consumers that we’re currently under supporting.

But change needs to start somewhere. And regulating Buy Now Pay Later seems a pretty good place to begin.

Kate Moody is lead customer strategist at 11:FS