Introducing Karen Shaw to DivideBuy


DivideBuy are pleased to introduce Karen Shaw, Business Development Executive to the expanding Business Development team.  Karen has a strong awareness of retail, having successfully ran her own independent business for 17 years and, most recently, providing EPOS solutions to merchants nationwide.

“I am excited about joining such a progressive FinTech, I understand how Interest-Free Credit can improve sales and can see the huge benefits that partnering with DivideBuy can bring to the merchant.”

James Bradley, Business Development Director says “As we look to continue our aggressive growth plans into 2018, we are building a strong Business Development capability. Karen further enhances our proposition by sharing her invaluable retail and EPOS solution selling experience with the team.”

If you’re a merchant and interested in learning how DivideBuy and Interest-Free Credit can improve your sales, contact Karen on 0330 123 5997, email


About DivideBuy

DivideBuy is an independent lender revolutionising Point of Sale Interest-Free Credit for multi-channel merchants. By using proprietary technology and unique credit-scoring algorithms, we accept on average 70% more applications than our competitors, making Interest-Free Credit accessible to more people. Along with a 60-second application, instant decision and zero manual underwriting we help Merchants convert more browsing visitors into paying customers.

Black Friday marketing campaigns to stand out from the crowd

Black Friday

The period across Black Friday and Cyber Monday (BFCM), is the ultimate retail showdown, with over £6billion spent in that period last year in the UK.
Unfortunately, there’s a lot of noise out there when it comes to Black Friday marketing campaigns. Here are some ways to make yours stand out from the crowd

Create a gift guide

Everyone needs a bit of inspiration from time to time. Creating a gift guide helps you highlight products and offers to your subscribers whilst boosting conversions. As a rule, products should not be very expensive, frequently out of stock or take a long time to deliver.

Bundle products together

Bundle products together instead of selling them individually to make a compelling package. This is a great way to upsell your customers, reduce stock levels and improve average order value, all whilst showing you have been thoughtful about their needs and offering a discount.

Offer deals on digital gift cards

Gift cards remain hugely popular. £5.7billion was spent on Gift cards in the UK in 2016 according to Euromonitor.

In the same study, it was shown that 65% of gift card holders spend an extra 38% beyond the value of the card. Conversely, gift cards to the value of £300m went unused in 2014 according to a study by UGov.

With that in mind, profitability on digital gift cards are relatively high, allowing you more leeway on creating a deal or offer.

Go Live!

According to Facebook, users watch Facebook Live videos for 3x longer than standard videos and comment more than 10x more.

There’s no denying the level of engagement and interest. Yet, it’s still relatively uncrowded. If you get Facebook Live right, you won’t have much competition.

Bundle products together

Black Friday marketing strategies often involve discounts, but how about offering exclusive discounts to certain segments of your database – students, social media followers or account VIPs for example. Timed discounts (such as Amazon’s “lightening deals”) help to create anticipation and urgency.

Go the extra mile

Offer something special as part of your Black Friday marketing campaigns. That could mean offering free gift-wrapping or a free greeting card with every purchase above a certain amount. Think about what would delight your customers and be of value during this busy time of year.

Offer and promote Interest-Free Credit

Promoting Interest-Free Credit across the site and email channels, ensures your visitors are aware they can Spread the Cost of purchases whatever their entry point to your website. Research shows that Spreading the Cost changes the visitors’ mindset; increasing conversion, average basket value and upsell/cross sell opportunities.

Getting the most out of your Black Friday and Cyber Monday campaign

Black Friday

Black Friday and Cyber Monday are getting bigger each year – Last year, the UK spent an estimated £1.23bn online on Black Friday (+12.2% increase on 2015) whilst £6.45bn was spent over the Black Friday peak period (Monday 21 – Monday 28 November 2016)*

How can Retailers optimise their sales over this period? Here are DivideBuy’s six tips to boost your Black Friday sales.

1) Spread the deals (and your server load)
Research has found that the Retailers’ decision to extend the sales period over the week before made a big impact. According to GfK, 71,000 prices were dropped from Thursday to Friday in 2015, but just 16,000 prices in 2016*. This reflects Retailers’ strategy of extending the event to avoid website overloads whilst optimising the customer experience across the week, encouraging return visits.

2) Offer exclusive “early-access” to your database
Make your customers and account holders feel like they’re VIPs and give them exclusive access to your offers before they’re live or notify them of what’s coming up, allowing them to purchase before stock runs out. This tactic will help conversion rate and improve customer loyalty. Both Amazon and Next do this for their customers to significant effect.

3) Sales, Offers & Discounts
There is no getting away from it; Black Friday is all about the discount, but there are other promotions in your armoury to differentiate you from the competition. Stacking discount codes, free gifts, free shipping and money off vouchers for time-limited repeat purchases.

Research shows that offering Interest-Free Credit on purchases also reduces price sensitivity in potential customers. Not only will this lessen the requirement to discount so heavily, but will also increase conversion, average basket value and overall sales.

4) Payment options and Interest-Free Credit
Presenting a range of payment options; whether this is debit/credit card, Amazon or PayPal checkout reduces basket abandonment. Promoting Interest-Free Credit across the site, ensures your visitors are aware they can Spread the Cost of purchases whatever their entry point to your website. Research shows that Spreading the Cost changes the visitors’ mindset; increasing conversion, average basket value and upsell/cross sell opportunities.average basket value and upsell/cross sell opportunities.

DivideBuy produces bespoke digital banners promoting Interest-Free Credit and to grab the attention of visitors immediately. The banners are designed at no additional charge and within your theme and branding to ensure consistency across the site.

5) Social media
Utilise your reach on social media to highlight your forthcoming offers and deals. The targeted use of hashtags and paid for ads will extend your reach to a wider audience.

DivideBuy supports its Retail Partners by sharing posts with its audience on FaceBook and Twitter. Additionally, DivideBuy customers can use their account to checkout with any Retail Partner in just 6 clicks.

6) Abandoned basket conversion tools
You have done all the hard work in promoting your deals and getting potential customers to start shopping with you, so it’s important that the site converts. Many tools are at the disposal to prevent basket abandonment and improve overall conversion. These include lightbox pop-ups and follow up emails of those with items in their basket, but not checking out.

DivideBuy follows up abandoned baskets within the DivideBuy checkout. In the past 12 months, we have generated an additional £450,000 of revenue for Retail Partners

About DivideBuy
In addition to our unique technology, 60-second application and 96% acceptance rate. DivideBuy have the collective knowledge of hundreds of Retail Partners and thousands of customers. We proactively support our Retail Partners by sharing best practice and information to improve customer experience, conversions and sales.

As a technology-focused lender, DivideBuy approves at least 50%* more applications than our competitors. We are revolutionising consumer credit through our technology and advanced “machine learning” lending model – enabling an increase in sales, conversion and brand loyalty.

DivideBuy can be installed to any ecommerce platform via its API link. Installation is done free of charge by our developers and typically takes 2 days; taking advantage of Interest-Free Credit opportunities almost immediately.

Contact us by calling: 0330 123 5997 or by
email: to discuss your free trial.

*IMRG – Black Friday online sales performance update

Customer Service Advisor (Permanent, full-time position)

Due to the continual expansion of DivideBuy, new opportunities have arisen for four Customer Service Advisors to join the team who pride themselves on providing Customer Service with excellence. We are looking for confident individuals with a professional telephone manner.


Duties will include:

  • Dealing with customer queries via telephone, live chat & e-mail
  • Providing a high level of service and resolving issues within a timely manner
  • Processing inbound sales enquires
  • Administration duties


The ideal candidate will:

  • Have a genuine passion for providing excellent customer service
  • Have excellent communication skills
  • Have a confident and professional telephone manner
  • Have the ability to build relationships on the telephone
  • Have the ability to work in a team and as an individual
  • Have the drive to succeed
  • Be flexible


Previous customer service experience preferred, however full training will be given to the right people with potential. In return, you have the opportunity of working in a company where people matter.

Working Hours are a shift pattern between 8am and 8pm, Monday – Friday. 8 hours per day (8am – 4pm and 12pm – 8pm). You will be required to work one weekend in four.

At DivideBuy we understand to deliver the very best experience to our customers, our staff need to feel truly valued.


Apply using the form to the right hand side and send us your CV.

Further information:

Location: Newcastle-under-Lyme, ST5 9QA

Position: Permanent & Full-Time

Salary & Benefits:

  • £7.50 per hour & company pension
  • Free refreshments provided
  • Regular social events
  • Free on-site parking
  • DivideBuy is a member of the PerkBox scheme, giving all employees access to  discounts to high street shops, cinemas and food outlets, free mobile phone insurance and many other perks. We truly value each and every employee.

Non-Food deflation reached its lowest rate in more than four years in August

British Retailer Consortium

According to the latest figures* from the British Retail Consortium, “Non-Food deflation reached its lowest rate in more than four years in August as overall Shop Prices edged closer to inflation.”

  • Overall Shop Price deflation was 0.3 per cent in August, a slight deceleration from the 0.4 per cent fall in July. Except for June of this year, this is the shallowest deflation rate since November 2013.
  • The deflation rate for prices of Non-Food products was 1.3 per cent, the slowest rate of deflation since April 2013. Electronics posted the slowest rate of deflation on record (the SPI started in 2006).

Mike Watkins, Head of Retailer and Business Insight, Nielsen: “Whilst consumer sentiment is on the turn and shoppers are becoming cautious about spending on big ticket items, prices are still very competitive on the high street.”

Helen Dickinson OBE, Chief Executive, British Retail Consortium: “The reality is that with protection from hedging policies coming to an end, Non-Food retailers are running out of options for protecting shoppers from the significant increases in the price of imported goods since the EU referendum in June last year. We expect Non-Food prices to continue trending towards year on year inflation.”

Whilst retailers may be running out of options to protect their customers from price increases, offering Interest-Free Credit will help to reduce the negative effect that the price rises will bring.

Offering Interest-Free Credit has proven to improve sales by improving conversion, increasing average order value and increasing cross-sell opportunities. Indeed, in our own studies, our Retail Partners have seen an increase in revenue by up to 33% and an increase in big ticket items of 60%.

DivideBuy’s Interest-Free Credit proposition enables Retailers to offer straightforward and transparent credit to more people (we have an industry beating 96% approval rate) with a lower minimum order value of £50 compared to around £250 or more from our competitors. The software that DivideBuy has developed uses machine learning to adjust its algorithms in real time, leading to a fast 60-second application and an immediate decision – no manual underwriting means customers do not need to wait for a decision and potentially shopping elsewhere.

To understand how DivideBuy helps you offer another option and improves your sales performance, call 0330 123 5997 or email: or book your 20-minute on-line demonstration at


5 tips for a great Christmas Email Campaign

With Christmas only 118 days away your planning may already be underway. Indeed Selfridges have already opened their Christmas shop. Whilst we wouldn’t necessarily recommend you start your Christmas campaign just yet, a little planning will go a long way to a successful campaign. Here are DivideBuy’s five tips to help prepare your Christmas email campaign:


Aims and objectives

Although this sounds simple and straightforward, some organisations do not start their planning with this initial insight. Is there a specific product range you’re targeting? Is e-mail to complement an overall marketing strategy or advertising campaign? Once you understood the objectives, you can carry on planning the rest of the campaign.


Grow your database

Whilst you will undoubtedly have built a customer and prospect database, it will not hurt in increasing your database with good opted-in data before your campaign starts. Competitions and give-aways of low cost-high value items are two great ways to engage and grow your audience.

DivideBuy has thousands of customers on the database of which our Retail Partners have access to via the customer newsletter at no additional charge.  This is a fantastic way of showcasing new products and exclusive offers to a wider audience without work of growing a database.



Timing of your campaign is crucial. Most online shopping is done 2 weeks before Christmas, but there are the early birds and the manic late shoppers – where promotion (and upsell) of next-day delivery can be an advantage.

Don’t stop promoting once the last delivery day is over. A lot of online shopping is done on Christmas Day, so it’s a prime time to open sales and promotions

If you wish to take advantage of the additional revenues that Interest-Free Credit can bring in time for the Christmas, then DivideBuy are in prime position to help. Our software connects to any e-commerce platform via an API. Installation is straightforward with the entire process taking around 2 working days and often much quicker. This compares to a lead-time of several weeks (and even months) with our competitors. Installation and software access cost several thousand pounds, making it cost prohibitive for many merchants whilst our installation is implemented free of charge.


“It’s better to give than to receive”

Think about the purchaser and motivate them to purchase from you. It doesn’t have to be a discount, but could be a free gift or gift voucher. Argos do this to great effect – “Receive a £5 gift voucher for £50 spent.” This not only frames a positive experience, but will also bring repeat business, customer loyalty and build revenues.

Offering Interest-Free Credit, especially for the big-ticket items, can be viewed by customers as more useful and convenient than a price reduction. Statistics show that customers who Spread the Cost of their purchases are less price sensitive and are more likely to purchase from that merchant rather than keep shopping around for a cheaper price.



You already have a lot of data about your customers and email can use these to optimise the Christmas campaign. Simple personalisation such as name and age is one way of targeting your segments, additional data points to target may also include: Location, purchase history, wish list and gender.

Personalising the email campaign could encompass all 4 other tips to truly optimise your Christmas strategy.


About DivdeBuy

DivideBuy is a fresh-thinking lender, partnering with hundreds of merchants to make Interest-Free Credit simple and accessible to all.

By developing unique software which utilises machine learning algorithms to accept 96% of applicants with an immediate decision and no manual underwriting. We’re able to offer transparent Interest-Free Credit for your store for increased sales, conversions and up-sell.

Online conversion rates jump 21% in July 2017

According to the latest figures from the IMRG Capgemini e-Retail Sales Index, online Retail sales in the UK grew 11% in July compared to the same period a year prior whilst month on month performance was 0.9%.

The average conversion rate was 5.8% which were “a very high result, and unusual for any month outside December.”

  • The Index recorded annual growth of 10.3% and a monthly increase of 0.3% from June (excluding travel)
  • Home & Garden reported a second strong month with 17% growth
  • Electricals reported a fourth consecutive month of negative growth with -5% in July. It’s the worst performing sector in IMRG’s Index for 2017
  • Sales made via mobile devices (tablets and smartphones) grew 23.7% year-on-year in July, and declined 3.0% from the previous month.

What does this mean for online retailers?

Bhavesh Unadkat, principal consultant in retail customer engagement design, Capgemini: “We’re seeing the slowdown in purchasing continue across July as this trend of low consumer confidence lingers. With the pound almost running level with the euro luxury purchases and ‘nice-to-haves’ are hit hardest. While conversion rates are up broadly speaking, this is only with repeat buys or necessities.

With Point of Sale Interest-Free Credit and DivideBuy, Retailers can help negate the effect of the loss in consumer confidence. With access to an in-line 60 second application, immediate decision and 96% acceptance rate, customers can Spread the Cost of their purchases, with monthly instalments to suit their budget; All within a similar timeframe of a normal checkout process. Offering Interest-Free Credit also reduces the pressure to discount as customers are less price sensitive if they can Spread the Cost of their purchase.

The DivideBuy account portal gives customers complete control, enabling them to manage & view their agreements, make payments and amend their details wherever they have internet access. Our Customer Service team are available 7 days a week by phone, live chat or email.

Using their DivideBuy account portal, customers’ repeat purchases are even easier with a simple 4-click checkout. The whole DivideBuy process is geared towards total customer satisfaction, encouraging brand loyalty.


About DivideBuy

As a tech-focused lender, DivideBuy approves at least 40% more applications than its competitors. We are revolutionising consumer credit through our unique use of technology and advanced lending model – enabling an increase in sales, conversion and brand loyalty.

Are you losing credit sales with your current provider?

The team  were discussing the conversations they have had with merchants who are currently with competitors. A common theme appeared in how many of their credit applications were being declined – effectively losing sales at the final hurdle.

The acceptance rate of most Point of Sale Retail Finance providers is typically around 40%. But what about the 60% that apply and are declined?

What if you could approve an additional 20%? 30%? What would that mean to your business?

DivideBuy typically approve 50% more than the competition.

We’re a British FinTech who are revolutionising the industry by approving 96% of applications.

How we manage to approve 96% of applications

We have developed technology that dynamically adapts the lending algorithms through “Machine Learning”. The decision engine approves 96% of applications with an instant decision 100% of the time – zero manual underwriting.

As an independent lender, we are the only Retail Finance provider who can do this whilst ONLY offering Interest-Free Credit. Typically, customers with lower credit scores are declined or offered interest-bearing alternatives by our competitors. This can often aggravate customers and damage your relationship with them.

Responsible lending

The artificial intelligence within the decision engine ensures that we are a responsible lender. Our low default rates, typically beating the industry average, is testament to our lending model. Our terms are clear and transparent with no hidden or unexpected charges for customers. Unlike other finance providers, our business model is not based upon late-payment charges, but upon fair and responsible lending.

Three-month free trial

We are so confident of our Interest-Free Credit proposition, that we are happy to offer a no obligation three-month free trial to merchants who are looking to switch providers.

Our technology is designed to integrate with all major e-commerce platforms. Through the API, installation is swift; your site could be trading with DivideBuy within 2 hours and taking full advantage of the additional acceptances that your current provider may be declining.

Contact us by calling: 0330 123 5997 or by email: to discuss your free trial.

Expansion of the Business Development Team

James, Nikki and Tom

DivideBuy are proud to welcome Nikki McDougall, Business Development  Executive and Tom Goodwin & James Thorley, Retail Engagement Executives to the expanding Business Development team.

James Bradley, Business Development Director says “The expansion of the team shows our intent in making DivideBuy the leading Point of Sale Interest-Free Credit provider. We have worked hard to get DivideBuy to this point with Magento e-commerce merchants. With the release of version 4, we’re able to offer Point of Sale Interest-Free Credit to all e-commerce Merchants, regardless of the platform. Since we have been trading, we have yet to lose a merchant to a competitor showing how strong our proposition is.”

James, who joins from DSG said “Being a part of such a rapidly growing company in DivideBuy was an exciting prospect.” Nikki comments “I’m used to ensuring that the client’s requirements are fully satisfied from my background in Hotel sales, and I appreciate that it will be no different when working with e-commerce merchants and their customers.” “I’m excited to be part of a new division within the Business Development team and look forward to helping to shape the future of the division.” Tom added.

With a 96% acceptance rate, 40% more than the industry average – DivideBuy makes Interest-Free Credit available to more people. This acceptance rate, along with a 60 second application, makes DivideBuy’s Interest-Free Credit proposition irresistible to merchants when comparing them to the competition.

Rob Flowers, CEO adds “As a British lender, it’s important to us to support all sizes of online merchants based in the UK. The ongoing expansion of the company, the development of version 4 and our target to lend £50million in 2018 shows just how serious our intentions are within Point of Sale Retail Finance.”

About DivideBuy

DivideBuy is an independent lender revolutionising Point of Sale Interest-Free Credit for Merchants.

By using technology and unique credit-scoring algorithms, we accept at least 40% more people than our competitors with zero manual underwriting. Whilst we are the only POS Finance provider to offer a guarantor function, making credit accessible to more people.

As a leading British Fintech, DivideBuy’s technology and ground-breaking lending model will help merchants convert more browsing visitors into paying customers – increasing conversions, sales and profits

Content Marketing

It is a well-known fact that search engines (and especially Google) loves regularly updated web content to ensure sites are relevant and remain at the top of the rankings. As well as updating the product line on a regular basis, blogging is one of the primary weapons that e-commerce merchants remain relevant in the search engine war.

Content marketing and blogging is an important part of the marketing mix. It helps ensure new and relevant content is brought to the fore. If merchants are savvy enough they can get in front of the trend and top of the rankings for key search terms.

Is your store using Content Marketing?

Surprisingly, an online study showed that only 30% of merchants used content marketing – giving them the edge over their competition, not only to push them towards the top of the rankings, but by also increasing their engagement with customers and followers.

Your website has various ways in which you can add relevant content:

  • Product Pages – updating and adding new product pages is an effortless way for an online store to add new content. The copy is fully searchable whilst full information (and video where possible) satisfies your visitors’ requirements, leading to a greater chance of conversion
  • Information Pages – this could be in the form of About us, Contact us and various landing pages (linked with paid for advertising)
  • Blog posts – regularly posting to your blog allows you to add interesting (and searchable) content about your business, your products and your industry. Not only will the site receive additional traffic, but with regular updates you will have more engaged visitors and become a thought leader within your industry.

We know that many retailers find it difficult to write a blog as they believe they’re not a “writer” or may just run out of ideas of what to write about. However, they forget that it was their passion for the product/hobby/service which got them into online retailing in the first instance. It is this passion which can be put to good use to create ideas for posts, engage with their audience and ultimately sell product. To help inspire your content marketing and blogging, here is a small list of ideas:

Lists and countdowns

Surveys show that lists and countdowns are the posts that are read the most often. They are short and to the point, whilst being easily digested by the reader. Lists and countdowns can be created for almost anything: Five most popular toys for the under 10, 7 TVs for under £500, 10 creative things you can do with pipe cleaners.

Host a giveaway

Everybody loves a freebie and you’ll be surprised by how many people will work for it. Whether the competition is a simple “like and share” or whether you get them to answer a question (great way of generating feedback). This will encourage more of your website visitors to engage with you, but don’t waste this opportunity, once the competition is over make sure you keep interacting with them on a regular basis.

The ‘How To’

The real value in the product is getting the most out of it. Teach your readers how to do something related to the products you sell. If you sell home entertainment speakers, then produce a video on how to set up the room to get the best surround sound. Sell soft furnishings? Then what is the best way to care for them to get maximum lifespan?

Tease your readers with up-and-coming products

People like to see new photos and information about new products before they are able to purchase them. This may be in the form of “behind the scenes” pictures of testing the product, or even visiting a trade fair. This “tease” can be doubled up with selecting loyal customers who get to test the product before it’s released on sale.

Go behind the scenes

Everyone loves a “behind the scenes” style post. You will be amazed how interactive this can be. From posting about how you search for new products, how you design and build new product pages and even how products are picked and packed.

Top Tips

Top tips are related to lists and countdowns, but the real difference is that you are not necessarily selling your product but more about being the “expert”. Giving valuable knowledge and insight to your readers. The tips should be based around the products you sell – If you sell pet beds, then offer tips on how to care and wash them. This can be combined with a competition – asking for top tips from your customers about a particular product.

Highlight event

Keep your customers up to date with the latest events going on online and in-store. Whether is a new season with incoming new products, sales to shift old stock, or one off promotions such as introducing a new product line. Of course, emailing your database and promotion via social media will keep your followers in the loop. However, a blog post will ensure your message is promoted to a wider audience.

Turn your FAQs into a post

This is potentially one of the easiest posts you can produce. Is there a question (or questions) that you are asked on a regular basis? If so, you can write a post with the answer – illustration with photos or videos if appropriate.

Get your followers engaged

There are so many ways that you can get your followers involved – many ideas discussed within this post could be used. Feedback, tips, photos and “how to’s” are just a small number of examples of how you could get your followers to engage. The best part of the idea is that your followers do the difficult work in giving you the content. This post will also help with the peer-to-peer feedback that potential customers want.

Offering Interest-Free Credit through DivideBuy

ur research shows that our Retail Partners saw an increase in sales volume of 67% and interest-free customers were spending on average 33% more.
The main attraction of Interest-Free Credit to the consumer is being able to spread the cost of their purchase without paying more for the item than they would have outright. It gives the consumer the ability to buy whatever they want, allowing you to up-sell and convert more sales.

Unlike other offers, offering DivideBuy doesn’t damage the brand but can actively improve the relationship with customers. Offering Interest-Free Credit increases conversion as price sensitive shoppers are more likely to spread the cost than to try and find a better deal elsewhere.

What to expect from Interest-Free Credit with DivideBuy

  • Increased sales
  • Improved conversion rate
  • Increased up-sell percentage
  • Improved cash flow and turnover
  • Most importantly, higher profits.

About DivideBuy

DivideBuy is partnering with merchants to make Interest-Free Credit simple and accessible to all. We offer straightforward and transparent interest-free lending with your products for increased sales, conversions and up-sell.

Find out more by contacting the Business Development Team: