Credia - Oradea, Romania

We provide retailers with a user-friendly product interface, increased sales, larger average ticket sizes, and happier customers through increased approval rates due to access to multiple lenders and the ability to create dedicated campaigns for end customers. For service providers, we grant access to financing options that had previously been restricted to a select few retail segments, reducing the risk of customer loss due to pricing concerns, as well as the potential to create and utilize specific financing programs with existing lenders. Banks, meanwhile, benefit from our platform allowing for the onboarding of new consumer/instalment credit cards, the lack of a long contract with numerous small retailers, and the opportunity to identify the right client for their product, allowing  

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for micro-targeting and differentiation, as well as protecting their own clients by identifying them at the time of purchase. Finally, non-banking financial institutions gain access to a sizeable dispersed market that is difficult to target through traditional channels, the chance to develop custom products, and an independent platform that allows them to maximize their own advantages – speed of response, branding, etc.