Retail finance shouldn't feel intimidating—it should feel as natural as paying for Netflix monthly. 

Adam Sullivan, Head of Sales at humm finance, explains how his Australian FinTech company transformed arduous phone applications into two-minute digital approvals whilst maintaining ethical lending standards that protect customers. 

From helping first-time homebuyers furnish entire homes with up to €30,000 interest-free credit to understanding post-COVID psychology shifts towards quality investment pieces, discover why humm invented buy-now-pay-later, how 0% APR actually works, and why biometric heartbeat payments represent retail finance's future.

THINGS WE SPOKE ABOUT

• How humm finance evolved from phone-based applications to making retail finance as seamless as logging into social media
• Why 0% APR finance allows first-time homebuyers to furnish entire homes with up to €30,000 credit.
• How consumer psychology shifted post-COVID with people spending more time evaluating furniture quality 
• Why humm maintains lower approval rates than buy-now-pay-later competitors
• How biometric payments and AI automation will shape retail finance's future

GUEST DETAILS

Adam Sullivan is Head of Sales for UK and Ireland at humm finance, bringing 12 years of experience with the Australian-founded company that's been operating globally for approximately 40 years. Regulated across Australia, New Zealand, Canada, Ireland and the UK, humm transformed from stereotypical phone-based finance into a fully digital FinTech platform under Adam's tenure. 

His role encompasses sales, marketing and partnership development with retailers like EZ Living Interiors, where he champions ethical lending practices and consumer-first approaches. Adam's philosophy centres on "AI versus AI"—artificial intelligence balanced with actual interaction ensuring technology enhances rather than replaces human connection in financial services. 

A passionate advocate for transparency, responsible lending and regulatory compliance, Adam navigates the complex intersection of innovation and consumer protection in Ireland's evolving retail finance landscape

Connect with humm finance:

• Website: shophumm.com
• Apply for finance through partner retailers like EZ Living Interiors

QUOTES

• What is retail finance? Just a way to get everything that you actually want, not need, but what you want, have the ability to spread out that across a certain term that suits your budget. - Adam Sullivan
• If we can make it feel the same way as Facebook or Instagram, then you're comfortable. - Adam Sullivan
• It's their choice. They get to choose. We're not enforcing a certain programme on a customer. - Adam Sullivan
• When you are showing a monthly price and your budget sofa is maybe five euro less than the sofa that you really want per month, it just makes it attainable  - Adam Sullivan

MORE INFORMATION

This podcast is produced by dustpod.io for EZ Living Interiors

EZ Living Interiors is a family-owned home furnishing retailer which sets the standards for quality, style, and design in the industry. We advise on how individuals and families should furnish their living spaces to create homes that are both beautiful and functional. 

Our mission is to inspire and elevate the art of interior design through the promotion of high standards of product sourcing, craftsmanship, and customer service. 

We achieve this by providing innovative and thoughtful design solutions for our customers to support them to create stylish and comfortable living spaces.

Visit EZLivingInteriors.ie to learn more.

KEYWORDS

#retailfinance #0percentAPR #hummfinance #furniturepaymentplans #BlackFridayshopping