Financial Services is an important part of our overall proposition, strengthening customer loyalty and enabling our retail business to thrive.

In order to offer our customers excellent convenience and choice, we allow customers to either pay us immediately or utilise a credit account for their purchases.

By having a personal account with us, customers can spread the cost of their purchases over time. Many of our customers utilise their accounts to ‘try before they buy’, paying off their balances and not paying interest.

The division is managed by a dedicated, expert, in-house team, utilising leading credit analytics tools. We take a responsible approach to all credit lending decisions.

A key pillar of our systems investment programme is centred on Financial Services. This will improve the range of our financial services products, allowing us to better tailor our offer to individual customers and product types.