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