1. Giles Andrews, CEO and co-founder
Financial Services Club, November 2012

2. What it says on the tin

3. Over £250m lent in UK by November 2012

4. Innovation? What innovation?
“...the most important financial innovation that I have seen the past 20 years is the automatic teller machine...”
Paul Volcker, former Chairman of the US Federal Reserve, to the Wall Street Journal, 8th December 2009

5. The general purpose car dealership doesn’t meet all consumer needs

6. US muffler shops inspired a more flexible, efficient and customer-friendly service

7. Tom Farmer introduced fast-fitting to the UK and revolutionised the industry

8. Do you need branches to provide what consumers want
Do you need branches to provide what consumers want? And what about the overheads?

10. Thank You.