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

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.

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.

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.

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
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)

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.