Shop Direct is one of the largest non-bank lenders in the UK. Our financial services business enables us to make good things easily accessible to more people. It is made up of numerous specialist divisions, including insurance, underwriting, fraud prevention and operational risk. We offer customers a variety of products, from numerous credit options and ways to pay to extended warranties and insurance products. We continually develop our market-leading range of credit and insurance products in response to customer demand. Our financial services team ensures that all Shop Direct products are fully compliant and in line with Financial Conduct Authority regulations. They are also highly committed to responsible lending and to treating customers fairly. In the last couple of years, our efforts in this area have been recognised with Credit Today’s award for corporate social responsibility.