Nick Harding


CEO and co-founder

Nick co-founded and is CEO of Fluro, the UK's leading embedded finance provider. Using innovative technology, Fluro enables partner firms to provide their customers with access to credit products quickly and simply, resulting in game-changing customer experience. Current partners include leading fintechs, retailers and intermediaries including Revolut, Moneysupermarket, Clearscore, Experian, Asda Money and many others. Founded with strong values, Fluro is passionate about making people’s lives better by providing simple and fair financial products. Since launching in 2014, individual and institutional investors have lent more than £200m to more than 30,000 creditworthy people via the Fluro platform. Fluro forecasts to grow to £1bn of loans per annum by 2025. Fluro has recently completed a private equity transaction and has a new principal shareholder that will fund and support our entire business plan.

Event Sessions Featuring Nick Harding

Roundtable (Breakout)

Making the Marketplace ‐ Round Table Discussion

London Summit 2018 - Monday 26 March 2018

  • All in attendance were in agreement: marketplaces are something we can expect to see coming out of every digital bank, sooner or later. But will the model become a money maker? Clark doesn't think so, suggesting that Tandem prefers to see its marketplace as simply a "benefit to the customer" over a tool for profitability. Myatt also pointed out that we have yet to determine an exact and widespread definition of what we mean by 'marketplace': does it refer to only third-party products being sold by a bank, or will banks eventually sell their own services and products within their apps too? 
  • In essence, the marketplace model should be about "putting the customer's data back in their hands" and allowing them to get the most out of it, said Barbosa. Indeed, both Chisell and Magliulo added that a marketplace should be about "giving way" to those who are specialised, in order to create the most value for their customers. Campbell mentioned that Bud has found higher traction from users sits on non-core products and services: things like energy-switching, travel perks and insurance. 
  • However Plumb warned that at times the marketplace has become a "sexy term" for a bank's partnership strategy, when what they're really offering is not a true marketplace at all. Often we speak about marketplaces as if they are just one generic product, but as in the case of robo advisors, not all marketplaces will be a good fit. Bibas suggested that each bank should develop a specific strategy for different partners, allowing them to create true customer value.
  • For the future, Moreni highlighted the need for banks to be focusing on what value in a marketplace really means to their customers. Whether you give a customer 10 or 3 choices for a service, "it doesn't matter unless you know what it is your customer needs from you," said Dallas. Muis agreed, sayng that if you want people to give up their data, banks will have to show them the value they're going to gain as a result. While a partnership strategy is a no-brainer for most, it'll be the new categories that come out of the marketplace model that will be the most exciting to watch.

Articles By Nick Harding

Traditional Financial Institution: Friend or Foe?

10th February 2015 | Nick Harding

Articles Featuring Nick Harding

Lending Works exits P2P lending

15th December 2021 | Daniel Lanyon

Lending Works acquired by asset manager

6th July 2020 | Daniel Lanyon

Lending Works hits £150m of loans in five years

29th January 2019 | Daniel Lanyon

Lending Works appointments new board members

14th November 2018 | Daniel Lanyon

Lending Works scoops £2.8m fundraise

12th July 2018 | Ryan Weeks

Lending Works passes £100m lending milestone

18th April 2018 | Emily Nicolle

Lending Works launches new innovative finance ISA

8th February 2017 | Lisa Walls-Hester

Lending Works raises £3m

7th July 2016 | Ryan Weeks

Lending Works Sees Strong IFISA Demand

21st April 2016 | Ryan Weeks

Digging into Lending Works’ loan book

8th December 2015 | Sam Griffiths

The “Innovative Finance ISA” Arrives

8th July 2015 | Ryan Weeks

Lending Works Pension Provision goes Live

6th May 2015 | Georgina McCreadie

Lending Works Pension Provision goes Live

13th April 2015 | Georgina McCreadie

Lending Works Refines Pensioner Offering

23rd March 2015 | Ryan Weeks

Lending Works Tailors Product to Pensioners

17th March 2015 | Ryan Weeks

Lending Works Rolls Out RATE LOCK Product

23rd January 2015 | Ryan Weeks

Lending Works Adds to Board

20th January 2015 | Georgina McCreadie

P2PFA Opens Gates to New Platform

2nd October 2014 | AltFi

The Breakout Room at AltFi

13th March 2014 | Ryan Weeks

The AltFi Frontline: The Next Big Things

21st January 2014 | Ryan Weeks

Lending Works Eyes Yorkshire as Lending Hotspot

16th January 2014 | Ryan Weeks