Founded in 1997, Home Credit Group is an international consumer finance provider with operations in 10 countries. We focus on responsible lending primarily to people with little or no credit history. Our services are simple, easy and fast. We offer sales finance through consumer finance to branch-enabled lending. Customers typically start with our point-of-sales (POS) financing in stores or online through e-shops. Reliable customers can then adopt broader consumer credit products. In countries where we hold a banking licence, we offer selected retail banking services such as deposit accounts and current accounts. We focus on facilitating cross-selling opportunities across our product base and enhancing our customer relations’ offering to increase retention rates. Within Home Credit Group, we run Home Credit Venture Capital. Home Credit Venture Capital is the investment arm of Home Credit Group, which teams up with start-ups to enable the Group to further push boundaries and deliver exciting new products and services, leading to better customer experiences. Home Credit Venture Capital operates as a venture capital fund, investing in minority stakes and participating in Seed, A and B investment rounds. While our typical investment is between $5-$10 million dollars, we can invest in smaller companies if there is a strategic fit. If a larger investment is required, we can leverage the financial strength of our parent company, PPF Group, which is one of the largest financial holdings in Central and Eastern Europe with over $40bn in assets.