Our History
Transformation to successful and profitable fintech group
Innovation drives growth
Fintech growth delivered through focus on digital customer, product innovation and purposeful acquisition.
Digital
customer
- Heritage HomeChoice brand
- Sizeable female mass market customer base
- FinChoice leveraged the base with personal loans
- Data analytics to control risk
- Mobile tech focus with strong UX giving her access 24/7
Product
innovation
- Launched pioneering credit backed wallet
- Introduced standalone insurance driving fee income
- Pivoted origination to digitally sourced external customers
- Customer App now driving high engagement and utilisation
Launched
payments
- Acquired PayJustNow – digital payments
- Buy Now Pay Later product high customer appeal drives growth
- Paystretch launched for large ticket purchases
- Digital wallet which enables refunds direct to customer
Advance Merchants
- Proprietary Merchant App
- Provide merchants with customer referrals growing sales
- Provide real time data analytics and insights
- Real estate to offer unique merchant deals to growing base
BEYOND 2025
AI will unlock next wave of customer, product and profit optimisation opportunities.
AI will transition our customer experience from being reactive to proactive; streamline our processes, leading to higher profits. We will utilise data in new ways, generating insights to deliver the right product to the customer at the right time whilst enhancing our ability to manage risk.
