About

Fin Watch watches UK fintech and buy-now-pay-later the way a consumer-affairs desk does: what a firm says it does, what its terms say, what its complaint route is, and what its published data shows. Redress and disclosure interest us more than app design.

Who writes here

The site is edited by Bridget Nowak, a disclosed house pen name maintained by our editorial team — the Economist model, stated openly rather than hidden. Reviews run under the editor's byline; news runs under “Staff, Fin Watch.” We publish no fabricated author biographies and claim no credentials we do not have — see the editorial policy for how the bylines work.

How this site is funded

Fin Watch is an independent, commercially supported publication. We may earn affiliate or advertising revenue from links on the site. That revenue never dictates our conclusions: scores, pros and cons are editorial judgments, sponsored material is always disclosed with the post, and no verdict can be bought. Commercial enquiries go through the advertise page.

Who this is for

We write for UK consumers, complaints handlers and people who follow fintech consumer policy.

How we work

We work from firms' published terms, regulator publications and published complaints data, all attributed and dated. Where a regulatory position is recent or still bedding in, we say so and date the statement. We never assert a firm's permissions on our own authority — we point readers to the FCA Register — and deposit-protection and ombudsman-eligibility claims are repeated only where the firm states them, with their limits.

What this publication is not

Fin Watch is a publisher. We are not authorised or regulated by the Financial Conduct Authority, we are not a lender, broker or adviser, and nothing on this site is financial advice. We do not assert any firm's regulatory permissions — check a firm's status on the FCA Register yourself. Deposit-protection and ombudsman-eligibility claims are repeated only where the firm publishes them, and with their limits.

Corrections

If we have published an error — a figure, a date, a term, anything — we want to know. Reach the editorial desk via the contact page. Corrections are the fastest queue we run, and material ones are noted in the post.