We believe easy access to finance is as essential as electricity, water and education.

Easy access to finance is essential for all our lives to prosper. Creating highly personalised, financial solutions can make an unimagined difference to everybody, everywhere. From disruptors, entrepreneurs and start-ups to traditional players and governments.

That’s why we’re making the digital customer experience quick and affordable by transforming the technology that delivers it.

A company is nothing without the right culture to deliver a mission. We think different. Work different. To deliver a different, more innovative approach. We do this by being brave. We encourage everyone to be bold in how they solve things. Not to be afraid.

It impacts everything and everybody. And gives real conviction to everything we do. But we must always be human. To help transform the lives of everybody.

Today, there are still systems of record, systems of engagement and systems of intelligence. This is 80’s thinking. The technology may appear to have improved but basically it’s remained unchanged. The big players have got very complacent but very rich.

This layered architecture is fundamentally wrong. There are some big chasms between the layers for a seamless customer experience. Because every time you want data from a different layer you have a break in process. The systems are all closed to each other and can’t easily deliver an end-to-end process in a couple of minutes. It’s all become too complicated, too costly and too restrictive. And this leads to lack of innovation.

Our approach and new automation model changes everything. It makes data the new core.