Our investment case

How we want to become the most valued financial ecosystem

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Building the most valued financial ecosystem

Our investment case is based on two decades of expertise and pioneering throughout the evolution of FinTech.

Since our formation, we have been obsessed with achieving profit and growth. We believe the key to long-term success lies in financially sustainable business models. For this reason, we have never compromised profits for growth.

As a result of our experience and expertise, and after proving our capability of building highly profitable and growing digital financial services, we are in a unique position to cater to and enable FinTech success by allowing others to leverage our FinTech growth platform.

Our FinTech growth platform

Our growth platform enables exponential growth for us by enabling it for others.

We allow others to tap into our two decades of experience, expertise, tech and tools from being a trailblaser in FinTech.

This model allows us to focus on our core expertise as a foundation and offer it to internal and external customers that, in turn, are enabled to focus on building their business and delivering on their unique customer promise.

More about the platform and growth stories

Strategy

Our vision is to become the most valued financial ecosystem by democratising financial services through digitalisation and making them fast, easy and green.

Our FinTech growth platform allows us to reach this vision by allowing us to enable and create success stories in FinTech.

More about our growth platform

Our Growth Strategy

To achieve our mission and long-term vision, Multitude’s growth strategy is built on three strategic pillars: organic growth, partnerships, and mergers and acquisitions (M&A).

Organic growth is driven by continued investment in technology, automation, and data-driven decision-making. We focus on enhancing customer experience, broadening our product offering, and expanding into new markets. Improved scalability, cost efficiency, and innovation are central to our organic development efforts. The Wholesale Banking business unit is expected to play a key role in driving organic growth.

The partnerships pillar enables us to broaden our reach and enhance our value proposition. Through strategic collaboration with distribution networks, technology providers, and institutional partners, we access new customer channels, expand our product offering, and integrate financial services into broader ecosystems. These alliances support the development of embedded finance solutions and unlock opportunities to deliver greater value across markets.

M&A pillar supports our ambition to accelerate growth by entering new geographies, acquiring complementary capabilities, and expanding our customer base. The Group pursues strategic acquisitions that align with its platform model and long-term financial goals.

Why investors trust us

We have a strong foothold in a market with high entry barriers

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We offer financial and banking services across segments in a highly regulated field, across approx. 20 countries and their individual regulations. The regulatory environment makes it hard for new businesses to enter the market and, even more, to operate across borders. We have repeatedly proven to successfully navigate shifts in the regulatory environment and the market while delivering good financial results and superior customer experience.

Our independent business units focus on unique customer segments and unique customer experience

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Each business unit serves an attractive, growing customer segment with a uniquely tailored customer experience. These segments range from short-term consumer loans to digital wallet users and sophisticated SME customers

We have a diversified risk portfolio and the ability to react fast

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We have a diversified customer portfolio across three customer segments and operate in 10 currencies and on three continents. We possess financial and behavioural data from two decades; this data, paired with the most recent technology and algorithms, makes us uniquely positioned to react to any regional or global changes rapidly - financial, geopolitical or macroeconomic.

Our customers love us

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The overall customer base of all brands on our growth platform consists of approx. 400,000 active customers. Our ability to attract new customers and offer them added value through an increasing service portfolio allows us to expand further. Positive customer satisfaction numbers across business units prove the success in keeping customers happy, leading to predictability and recurring revenues for us.

We are well-positioned to grow our platform

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A large customer base, a vast amount of intelligent and actionable data, profound scoring knowhow, funding capabilities, KYC (know your customer) processes and solutions, and unmatched regulatory expertise in the field give us an industry-leading position to continue our transformation into a full ecosystem for further, exponential growth across a variety of financial services. We can reach this growth organically and in cooperation with partners to develop value-adding, next-generation financial services for customers.

We have the means to democratise finance

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Through the amount of data, knowledge, technology and geographical access we have built over the past two decades, we are uniquely positioned to serve customers that have been, and still remain, underserved by traditional financial institutions - and even by the newer players in FinTech.

Markets we operate in

Through our platform's three independent business units and external customers beyond our platform, we indirectly serve customers ranging from consumers to businesses.

Multitude is Nordic-born and globally focused and serves customers across European borders and beyond.

More about our independent business units

Sustainability and ESG

Our ESG strategy supports work to deliver value in line with the expectations and needs of customers, employees, investors, and other stakeholders. We believe it is imperative to manage socio-economic, environmental, and governance impacts and risks effectively and identify opportunities to generate positive impact through business models, strategy, and operations.

More about our ESG approach

Consumer banking
– Ferratum

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SME banking
– CapitalBox

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Wholesale banking
– Multitude Bank

More soon