- Focus — we are a specialized, monoliner with a flat organizational structure that “learns” constantly and implements quickly.
- Purpose-built — our IT infrastructure, partner network and team are all geared to one product.
- Brand — we have a fresh, but established consumer brand that is new to consumer finance.
- Product — we offer premium credit cards direct to the mass market: unlike our competitors, we do not offer an installment loan first.
- Risk — our “By invitation only” model gives us inherent fraud control, underpinned by credit checks, verification and strong analytics.
- Service — we invest heavily in multi-channel service infrastructure and have a state-of-the-art call centre.
- Channel — our core acquisition channel is Direct Mail, but we can and do use other channels to source new customers.
- Cost — we have a low-cost, flexible model that is based on outsourcing to partners and a slim “hub”.
- Innovation — we apply the “test and learn” approach, are obsessed with data and are not afraid to experiment.
- Ru
- En