In depth 

The banks strike back

The banks strike back

In the middle of difficulty lies opportunity, or so the saying goes. When the financial crisis forced the world’s banking giants to shore up their balance sheets and re-trench from higher-risk areas of lending, gaps in the markets for both specialist and consumer finance were left wide open. Cue the rise of the ‘challenger banks’, the singular term given to the admittedly disparate set of alternative lenders operating in everything from buy-to-let mortgages and asset finance to credit cards and unsecured personal loans.

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