Lending 3.0: Making the most of the new lending ecosystem

Share this post

Lending ain’t what it used to be.

New players are entering the market. Old players are re-inventing themselves. And players that don’t necessarily have a background in financial services are suddenly embedding finance into their offers.In this white paper, we chart the evolution of lending from version 1.0, through 2.0 to 3.0.

We ask experts from Capital on Tap, Xero, Mambu, Credit Kudos, Butter, Banxware, VC Innovations and Billie about the new lending ecosystem that is being created, as well as the drivers behind it.

We take a deep-dive on the current and morphing buy-now-pay-later (BNPL) phenomenon. Our experts give their insights on what’s happening now and next in the world of BNPL. And the implications for banks, challenger banks, Big Tech, retailers, card schemes and others.

API technology and data are powering new lending opportunities, especially around embedded lending. And payment cards are helping to bridge the gap between lending and payments. At the same time, our experts will give their take on the barriers and enablers to realising the full potential of lending 3.0 and beyond. And how new and existing lenders can make the most of the lending 3.0 ecosystem

Read the eBook here>>

Article by Marqeta

More To Explore


Are you a member of The Payments Association?

Member benefits include free tickets, discounts to more tickets, elevated brand visibility and more. Sign in to book tickets and find out more.


Log in to access complimentary passes or discounts and access exclusive content as part of your membership. An auto-login link will be sent directly to your email.

Having trouble signing?

We use an auto-login link to ensure optimum security for your members hub. Simply enter your professional work e-mail address into the input area and you’ll receive a link to directly access your account.

First things first

Have you set up your Member account yet? If not, click here to do so.

Still not receiving your auto-login link?

Instead of using passwords, we e-mail you a link to log in to the site. This allows us to automatically verify you and apply member benefits based on your e-mail domain name.

Please click the button below which relates to the issue you’re having.

I didn't receive an e-mail

Tip: Check your spam

Sometimes our e-mails end up in spam. Make sure to check your spam folder for e-mails from The Payments Association

Tip: Check “other” tabs

Most modern e-mail clients now separate e-mails into different tabs. For example, Outlook has an “Other” tab, and Gmail has tabs for different types of e-mails, such as promotional.

Tip: Click the link within 60 minutes

For security reasons the link will expire after 60 minutes. Try submitting the login form again and wait a few seconds for the e-mail to arrive.

Tip: Only click once

The link will only work one time – once it’s been clicked, the link won’t log you in again. Instead, you’ll need to go back to the login screen and generate a new link.

Tip: Delete old login e-mails

Make sure you’re clicking the link on the most recent e-mail that’s been sent to you. We recommend deleting the e-mail once you’ve clicked the link.

Tip: Check your security policies

Some security systems will automatically click on links in e-mails to check for phishing, malware, viruses and other malicious threats. If these have been clicked, it won’t work when you try to click on the link.

Need to change your e-mail address?

For security reasons, e-mail address changes can only be complete by your Member Engagement Manager. Please contact the team directly for further help.

Still got a question?