Wow, thanks everyone some amazing and really interesting points being made and I’d like to pull out a few threads if I may. First of all, we have been incredibly well trained to know that if we want to borrow at the end of the month we get an overdraft, for expenses it’s a credit card, a car is a loan, a fridge is point-of-sale finance and a house is a mortgage. Why? Well it makes it easy for the 
with credit scoring, policy rules and it also makes balance sheet management easier. At 
something different is planned. First up, as @JamesBell mentioned, we have started on supporting and encouraging good financial behaviour, we call it Targets 
New Targets feature now live! and it’s great to see the community benefiting from this already.
Secondly, pricing. Whilst I think @anon6625950 and others have a great point that many people don’t calculate or even understand the cost of credit, I firmly believe that should be a force for good here. No apologies we will make money from lending although we will do this at a ‘fair’ price. Personally I believe this means setting a rate of interest (somewhere in the 20-50% space) although crucially showing this in app in £ and p - predictively as well as retrospectively (does that make sense). In the longer term @JamesBell has the most likely view that we become a data/identity platform/financial navigator/hub and earn a margin for referrals - whilst tackling another little bugbear of mine…ADVICE (oh no another 
nest 
).
Thirdly, when we do start to lend it will be very simple in true style although it will be the first step of many. However, in the future imagine if you knew what your personal credit line was and that you could buy what you wanted when you wanted and then in the evening over a 
or 
decide how you wanted to pay the money back, thereby solving @anon90478425’s point about small ‘loans’ - think about it…an overdraft that is repayable over a period of time is…a loan 
Finally, as a little thank you for your participation in this thread. I’d like to give you a @hugo style ‘sneak peek’ (can you spot his magic 
touch?) on a screen, one of many that could be working its way to you over the coming months:
