Studies, guides and resources

Our studies and guides explore how shoppers behave, how retail is changing, and what businesses can do to reduce friction, build trust and increase conversion.

Each piece is grounded in independent research and designed to offer practical, actionable insight for retailers planning their next move.

Checkout abandonment: What retailers can do to close the sale

Checkout abandonment continues to be one of the biggest challenges facing UK retailers, with around three-quarters of online baskets left unpurchased. This study explores why shoppers begin the checkout process but fail to complete their purchase, examining the behavioural, psychological and practical factors that influence decision-making at this critical stage.

Drawing on independent academic research, market data and consumer insight, this report looks at how shopping habits are changing, the growing impact of mobile-first behaviour, and the role of trust, delivery expectations and payment options in shaping purchase decisions. It also sets out clear, evidence-based recommendations to help retailers reduce friction at checkout, improve customer confidence and convert more intent into completed sales.

Read the study

Why choose Novuna Consumer Finance?

One of the UK's leading point of sale finance providers

40 years’ industry experience

Dedicated relationship manager to help you reach your goals

Everything from underwriting to IT based in a single UK site

Accredited by the Institute of Customer Service

Tailor-made for you

When it comes to finance, we believe one size definitely does not fit all. Your customers are unique and that's why our finance options are too.

Decline Tailoring

Gives declined customers the option to increase their deposit amount, reduce the overall loan amount or increase their term to spread the cost in order to make the application affordable. This will reduce overall declines, meaning more accepts for you and more revenue.

Accept Tailoring

Allows an accepted customer to reduce the loan term by increasing their monthly instalments, based on affordability checks. This will ultimately save them money as they will accrue less interest, as well as clearing their debt more quickly. As a retailer, you will pay less in subsidies.

Maximum Loan

If a customer applies and is accepted for the requested amount, that's the end of the story, right? Not necessarily. If they are eligible for more, we will offer that option. That allows your team to upsell or cross sell with ease and increases average transaction values.

Loan Amend

Costs can fluctuate, especially for bigger projects. That's why we allow eligible customers to increase or decrease their loan amount, even after the application is complete and the agreement has been signed. Giving you and your customers ultimate flexibility.

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