The company administers credit and loyalty programmes for other businesses across multiple sectors, including retail, household, insurance, entertainment and leisure.

BNP Paribas Personal Finance manages four million customers and 300 UK partnerships.

The company began its existence in 1973 as the financial services arm of Selfridges department store providing credit to its customers.

In 1999, Creation Financial Services Ltd. was acquired by LaSer, a European provider of credit and loyalty customer programmes based in Paris, jointly owned by BNP Paribas and Galeries Lafayette.

In 2010 LaSer UK announced it would be supplying fixed term credit for DSG International the owners of Dixons, Currys and PC World.