FTT Lending 2026: First Ever Lending Product?

At FTT Lending 2026, we asked the attendees…”First Lending Product? 

Many attendees at FTT Lending cited predictable early financial products as one response pointed to an initial bank overdraft, while another referenced the ever-present student loan, jokingly noting that it “will continue to hold me for 30 years”. Moving into major purchases, one speaker recalled taking out a car loan at age 18 and these responses highlight the traditional milestones where individuals first engage with formal lending institutions.

However, the conversation also touched on the roots of borrowing, the informal, everyday exchanges as one attendee remembered being the one who habitually forgot money, relying on friends to “chip in” for school purchases. Another anecdote involved lending money to a sibling for sweets, an early lesson in providing credit, or being the lender.

Perhaps the most resonant modern story focused on the friction of building a financial identity while another attendee at FTT Lending 2025 said that after moving to the UK, they were initially unable to get a credit card due to having “no credit history”.

Their solution? They had to finance a mattress just “in order to build my credit history” and this anecdote offers a sharp reminder to the financial services audience that while lending products have evolved, the process of establishing trust and credit eligibility remains a significant hurdle for many, forcing them into unusual purchasing decisions.