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