ThinkSmart is a leading digital payments company with a proven history of innovation in point of sale retail finance.

The company is listed on the AIM London Stock Exchange and is authorised by the Financial Conduct Authority. We create value for retailers, financiers and intermediaries and operate in high volume low value sectors, where transaction values range from £250 to £15,000.

Our proprietary digital technology platform ‘SmartCheck’ has been used to develop customer centric propositions for many large-scale retailers, globally. For these consumers, SmartCheck is the engine that provides affordability, convenience and a great customer experience. This technology is scalable and portable, integrating seamlessly into online and in store customer journeys.

ThinkSmart’s goal is to build shareholder value through realising the potential of its SmartCheck technology.

Creating value with partnerships

In the UK we have had long standing relationships with retailers, financiers and intermediaries, since 2003.

We have developed our proprietary technology to create value, differentiation and advantage, including:

  • New innovative point of sale finance propositions for Dixons Retail and Carphone Warehouse in technology and smartphone leasing, generating over 350,000 applications.
  • Managed the end to end customer lifecycle on behalf of Secure Trust Bank and HBOS helping them to create significant cost efficiencies, as well as securing new funding partnerships with Santander.

Innovation in payment

In 2017 our technology enabled the rapid development and launch of ‘ClearPay’, a new payment brand which allows consumers to split the cost of their purchases into 3 interest free monthly payments.

Through SmartCheck we were able to develop a market leading digital customer journey facilitated by ThinkSmart’s mobile app.

The subsequent sale of 90% of the business to the emerging global leader, the Afterpay Touch Group, is testament to our capabilities and experience, representing a 500% return on investment. ThinkSmart continues to retain a 10% share of the ongoing UK Afterpay business. This represents a significant investment in the future UK payments market which is three times larger than that of Australia, where Afterpay has become the dominant leader.

Today Afterpay has a market valuation of c. $4bn, more than 2.4m customers and 17,000 retail merchants with operations in Australia, New Zealand and USA.

Contract lifecycle management

We have an embedded culture of treating customers fairly which is demonstrated through established operational processes in line with our FCA permissions.

This enables the company to offer a broad range of regulated financial propositions for consumer and business leasing and loans and provides contract lifecycle management solutions.

The company also provides contract lifecycle management solutions across the full range of these propositions on behalf of our retail partners.

Strategic alliances

Through SmartCheck we were able to develop a market leading digital customer journey facilitated by ThinkSmart’s mobile app.

In our core leasing business, we have entered into a strategic alliance with a leading international bank which leverages both our core capabilities and their balance sheet and reverse logistics. This new alliance provides the company with greater reach into the retail point of sale asset finance market place.

A differentiated market position

With a strong position as a digital payments leader, ThinkSmart has a proven track record in developing its SmartCheck technology to create innovate first to market retail finance propositions.

This proprietary technology together with our established processes and regulatory expertise enables the company to create value for retailers, financiers and intermediaries in the pursuit of its goal to build shareholder value. This unique combination creates a differentiated offer and clear market advantage.

ThinkSmart is a trading name of RentSmart Limited, a member of the Finance & Leasing Association and complies with the Business Code of Practice. A copy of the code is available on request. You can also find a copy of the FLA checklist for business finance at

Investor Enquiries: ThinkSmart Limited, Suite 5, 531 Hay Street, SUBIACO, WA 6008, Australia.
ThinkSmart Ltd ACN 092 319 698

ThinkSmart is a trading name of RentSmart Limited 7th Floor, Oakland House, Talbot Road, Manchester M16 0PQ

RentSmart Limited is a wholly owned subsidiary of ThinkSmart Limited, and is registered in England and Wales with registered number 03689086,
authorised and regulated by the Financial Conduct Authority. Financial Services Register number: 663327

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