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Moses

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Review of the PayPal, PayPal Credit:

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Long standing user

Great product, accessible at most reputable stores and gives shoppers the flexibility to split payments. Their pay in three is my personal favourite product. The 4 months interest free product could do with some work, as it can be quite prohibitive compared with other providers. One critique that doesn’t get much attention is that they do not allow you to use a credit card for your instalments; meaning that you forgo any reward points/system by choosing their credit product. Other credit providers do not have this issue. Reviewed on: 15th May 2024

Review of the Klarna, Buy Now Pay Later:

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Payments Made Simple

Klarna give their customers the ability to take control of their payments. Splitting the cost across a few instalments or delaying a payment until the next payday truly helps people avoid taking on the burden of payday loans. Reviewed on: 30th July 2021

Review of the Revolut, Personal Account:

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Exchange Rate

I have used Revolut for over a year now and this short review will explain why I continue to use it despite various new offerings as the market becomes more saturated. The implementation of the interbank exchange rate for personal account consumers ensures the public aren't exploited when looking to purchase a currency for use on their next holiday. The user inferface is smooth and intuitive. Allowing for easier navigation and meaningful customisation options. I have an active Monzo account but I feel more secure using the revolut app as it prompts you to use your passcode or device's biometric identification system before accessing the application which houses your sensitive data. The addition of metal cards make for a more refined aesthetic than their traditional plastic counterparts and further distinguish the brand from its competitors. I am sure the future holds a continuation of the shift toward banking services such as Revolut and with continued focused effort and innovation I can see Revolut as the front-runner. Reviewed on: 31st January 2020

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