"Customer satisfaction is extremely important to us and all of our products are designed to provide convenient, transparent and flexible credit that reflects our customers' needs, " a statement said.

BBC: 'I often cry myself to sleep'

It is convenient, flexible, and, in a small country, allows passengers and goods to be shipped from door to door.

ECONOMIST: Roads and rail

FITiST does just that, leveraging technology to give its members a highly convenient, flexible, top of the line fitness and wellness experience.

FORBES: Gyms 2.0: FITiST Brings New Fitness Paradigm To NY & LA

Mr Opik says it is very flexible, convenient in rural areas as well as large cities - and environmentally friendly.

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More flexible visiting hours at Scottish hospitals are being piloted to enable friends and family to visit patients at more convenient times.

BBC: Alex Neil