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