The online retail financial services markets in the UK, the US and several additional advanced markets are well-established, while others - including Australia's online financial services market - are in early stages of development. The key market segment presently addressed by PDB UK is short term loans - a significant online niche that is relatively less affected by current turbulences in financial markets.

Short term loans and other established online financial services segments are fragmented, with multiple competing providers in product category. The intense competition creates an opportunity for online marketing experts to add value in cost-effectively linking customers with providers of the specific financial services they search for; thereby generating customer leads for providers.

Competition between online marketing experts and solutions providers is also intensifying, requiring them to build unique capabilities and business models.

Market Analysis & Opportunities

UK Market

The UK financial market is facing a financial crunch. The market for Homeowner loans and other secured loan products are suffering. The effect of the slowdown is seen in the credit card and the ability of many businesses to get business loans at convenient rates. Short term loans are less affected by the market crunch and in some ways - the need for short term loans has increased in current market conditions.
Nevertheless, these credit problems are affecting some of our lenders who are unable to get business loans at favorable conditions. This in turn leads to changes in the market we are dealing with and some impact on growth is felt occasionally. Due to several actions that PDB UK has chosen to take we believe we are able to sustain growth and grow even in these turbulent times.

US Market

The US market is large but saturated with many Vendors, Networks, Lead Generators and affiliates who have invested heavily in this market and compete fiercely.

The US market for short term loans is huge. We are not a major player in this market and we currently have no plans to be one because the market is saturated and highly competitive. We do however have a presence in this market that provides us with additional earnings and revenues, reduces our risk and dependence on the UK market and provides the ability to exploit potential market bursts and niches – when we find them.

Specifically, we have decided to team up with the leading network in this space and we work with them promoting their sites to the best of our abilities. Through a good relationship and past success we are able to secure good terms and conditions, tight integration and exclusivity where possible (i.e. exclusive websites sites).

Australian Market

The Australian online marketing space for financial products is in very early stages.

The Australian market is rather untapped an under exploited. The market potential is large and since the competition in this market is small we believe there is a lot of potential for us to expand in this market. More vendors are coming in to Australia and this means we have more possibilities and vendors who need our services to help them drive sales.
We have a key relationship with two of the leading vendors in this space.

We are glad to be able to join this market at an early state and stake a claim to a large market share from the start. This market has very few networks and lead generators and we feel we may gain a good control of this market in the next few months. This will enable us to be one of the top lead generators in this market.