“Can a multi-lender retail finance orchestration platform become the default embedded checkout finance layer for UK eCommerce merchants?”
Founded as NewDay Technology Ltd, Deko positioned itself as the UK's original embedded finance provider for retail checkout finance. The company evolved from a single-lender referral model into a multi-lender orchestration platform, now claiming to be the UK's only multi-lender retail finance provider. Deko's fifth-generation platform introduced the Deko Wallet — a unified consumer-facing checkout layer — while expanding its lender panel to 15+ providers and deepening its integration with eCommerce platforms through its Imegamedia subsidiary. The strategic move toward platform-as-a-service (reseller/co-branded integrations) reflects a shift from direct-to-merchant to a B2B2C embedded finance distribution model.
Deko is founded in 2014 and headquartered in 7 Handyside Street, London, N1C 2DA, UK.
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