• Business model, vision and values

    Business model

    We operate a commercial model focused on customers that is based on superior data capture, analysis and disciplined risk management, supported by efficient operations and a state-of-the-art IT platform.

    • Extensive multi-channel network for acquiring new clients (POS and cash loans)
    • Powerful cross-selling of cash loans and cards, enhancing lifetime profitability
    • Business model closer to a retailer than to a traditional financial institution

    Financing purchases of durables in stores; Cross-selling different lending products to good customers; Mass-market lender with its own deposit-gathering capabilities

    Vision and values

    Financial services made easy, simple and fast


    We aim

    • To provide innovative retail financial services with a focus on mass-retail lending
    • To help clients realise their dreams and ambitions in a financially secure way
    • To offer long-term, stable and interesting employment to our employees
    • To encourage economic development through supporting domestic consumption, thereby improving living standards


    Our people work according to our four core values:

    • Be entrepreneurial
    • Be focused on results
    • Be innovative
    • Be fair