We are team of Ukrainian financial services practitioners, software engineers, data scientists.  We know a lot about lending business, risk management, loan servicing, operating procedures that accompany day to day financial transactions and were working in the sector for over 20 years both in large financial organizations and regulatory bodies. For the last 7 years our team devoted efforts to fintech. 

We started as a company which aimed at providing lending to people which felt excluded from the traditional finance, due to lack of collateral, informal employment, or short credit history. Our approach to lending utilized advanced AI and was fully automated. We felt there is so much data that exist about our potential customers, but traditional finance cannot use it due to technological limitations and legacy processes.
 

Our mission is to revolutionize the approach to credit. Our credit decision engine works with a multitude of data and determines patterns that are too subtle for the traditional processes to pick up. This allowed our system to perform well even during downturns in the market. We can efficiently serve demanding prime customers while finding products with correctly priced risk for those that are excluded from the financial services market. We also expanded beyond the lending business just as credit is beyond lending. We help our clients to build loyalty programs built on credit, fuel growth of their business with BNPL, and even operate a market for several lending institutions.
 

We are looking forward to build more exciting products together with you.
Meet the entire team