Amazon Lending Business Model Assessment

A Quantitative and Qualitative Assessment of Amazon Lending’s Offerings in the UK

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Situation

Our client wanted to explore Amazon Lending’s strategy, and the lending solutions offered and estimate the total current amount of revenues generated by loans in the last available FY.

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Objective

The objective was to collect insights and information to quantify Amazon Lending Revenues in the UK as a new disruptive business model in the market.

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Our Work

10EQS assessed Amazon Lending’s target strategy (e.g., by merchant size, category, etc.), operating processes (e.g., credit risk assessment, debt collection, etc.), terms and conditions (e.g., merchant interest rate/fee, average amount/ticket size, average duration, etc.), and the Amazon Revenue model.

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Project Team

• Ex-Bain Consultant with extensive finance and e-commerce experience
• 10EQS Delivery Operations (=PMO) providing quality assurance, process management and expert recruitment
• 8 industry experts

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Industry experts (sample)

• Head of Commercial – Embedded Financing Platform (UK)
• Senior Credit Product Manager – E-Commerce Company (UK)
• Former Executive VP Product – Fintech Company (UK)
• Director – CPG Company (Merchant)
• Amazon E-commerce Lead B2C – Costume and Toys Company/Merchant (UK)
• Former Finance & Risk Management – Embedded Financing Platform (UK)

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Results

10EQS found that the purpose of Amazon Lending is to drive overall marketplace sales by offering 3 main products across the top 6 global economies. 10EQS also quantified and categorized Amazon Lending’s Annual Revenue.