Finance company Flexigroup enjoyed growth in customer numbers, retail partners and transaction during the six months to December, as the overhaul of the business started to bear fruit.The company reported net income of A$181.8 million - down 2.2 per cent compared with the previous corresponding period.Fee and other income was down due to the shift to buy now pay later business and the withdrawal of the commercial division from a number of vendor programs.Receivable and customer loan impairment expenses, which blew out in 2018/19, came down to $38.6 million from $52.9 million in the previous corresponding period.Net profit rose 6.5 per cent to $33.3 million. Cash earnings rose 8.2 per cent to $34.5 million.Under chief executive Rebecca James, who joined the company in October 2018, Flexigroup has simplified its business and ramped up its presence in the growing BNPL market. It has consolidated its BNPL brands Certegy and Oxipay into a single business, which has been re-branded humm.The consolidation is part of a bigger simplification program. The company plans to cut the number of consumer facing brands from 12 to four.It is launching bundll, which is being offered in partnership with Mastercard. It will facilitate multiple payments of up to $1000 at any merchant that accepts Mastercard transactions.Volume growth in the BNPL division grew 23 per cent in the December half, compared with the previous corresponding period.Among the business divisions, BNPL receivables grew 16 per cent to $642 million, Australian card receivables grew 4 per cent to $708 million, New Zealand cards receivables grew 10 per cent to $800 million and commercial and leasing receivables were flat at $586 million.New Zealand cards was the company's biggest earner, with cash profit of 12.6 million. Commercial and leasing produced cash profit of 9.4 million, BNPL 8.4 million and Australian cards 4.1 million.