“Can a UK-born value-fashion footwear brand scale internationally while maintaining a digitally-native, frictionless checkout experience?”
Public Desire is a UK-registered online footwear retailer targeting young, style-conscious consumers with bold and affordable footwear. The company has expanded from a UK-centric e-commerce operation to international markets including the US and Saudi Arabia. Its embedded finance footprint is primarily consumer-facing: BNPL at checkout (Klarna, Laybuy) and fraud protection (Signifyd), reflecting a standard D2C e-commerce stack rather than a financial services play.
Public Desire uses Signifyd for fraud prevention.
The Embedded Finance Index 2026 maps 2 layers in Public Desire's stack: Lending (Laybuy (pay in 6 weekly instalments) and Klarna (pay in 4 instalments)); Fraud (Signifyd).
Public Desire is headquartered in England and Wales, UK.
Get a read on where your own stack stands against Public Desire and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.