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Regulation
We engage with national and supranational financial regulators to build a regulatory environment that is in the interests of both the companies and the consumers of financial services. We participate in self-regulation and develop professional standards that contribute to the growth of the consumer lending market.
Responsible lending
We believe that lenders should not use intrusive marketing by offering consumers what they don’t need or what they cannot afford. We believe that lenders should not mislead clients using small print and other tricks.
Financial inclusion
Thanks to the use of our proprietary technology, we are able to offer financial products to those who otherwise cannot receive funds from traditional financial institutions. Around the clock, from anywhere in the world. Our clients only need a smartphone and an internet connection to get funds.
Technologies
Technology is in our DNA. We work online without sales offices. Savings on rental and overheads allow us to offer more competitive products. We use machine learning and artificial intelligence technologies to assess credit worthiness. When issuing a loan, we take into account data that banks usually ignore.
Financial literacy
Our products and user experience help improve people's financial literacy. This process helps guarantee sustainable financial development of society and improvement in quality of life.
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