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    Bread Payments is now Bread Financial. Follow us at @Bread Financial & learn more at www.breadfinancial.com

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    DivideBuy is an independent lender revolutionising Point of Sale Interest-Free Credit for E-commerce and Omni-Channel Retailers. By developing their own technology based on "Machine learning"​ credit-scoring algorithms, they accept 96% of applications - typically 50% more than their competitors. 100% of decisions are made instantly with zero manual underwriting.

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    Klarna is one of Europe’s leading payments providers and a newly-licensed bank, which wants to revolutionise the payment experience for shoppers and merchants alike. Founded in Stockholm, Sweden, in 2005, their give online consumers the option to pay now, pay later or over time offering a simple, safe and smoooth checkout experience. Klarna now works with 90,000 merchants, including ASOS, Adidas, Arcadia Group and IKEA. Klarna has 2,000 employees and is active in 14 countries. Klarna is backed by investors such as Sequoia Capital, Bestseller Group, Atomico, VISA and Permira.

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