OUR BUSINESS UNITS

Creating success stories in FinTech by being an active enabler of their business

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The platform for exponential growth for FinTech

The key to sustainable growth is a strong foundation. Over two decades, we have built and perfected a foundation for building and scaling FinTech. What began as an internal driver of competitive edge to successfully pioneer FinTech success, can now be tapped into and utilised by others to get ahead faster, simpler, and stronger.

Mantvydas Štareika

Tribe CEO - CapitalBox by Multitude

“We can utilise the extensive experience, resources, and tools of Multitude in operations – it includes business-critical functions like funding, legal, HR and underwriting. This support allows us to fully focus on building our business.”

Kristjan Kajakas

Tribe CEO, Ferratum by Multitude

“Being on the Multitude platform allows us to tap into a shared customer base. Thus, we don’t need to rely only on growing our own but can all benefit from it together and, simultaneously, offer increased value to our customers!”

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How we support business growth

Enabling faster growth in a stable environment

Our platform is an enabler and provider of benefits that we produce to business units on our platform and external players that want to utilise parts of it.

Our platform allows users to build their business on a solid foundation faster and more flexibly than they could alone.

Key benefits

Regulatory know-how and tools

Our regulatory expertise from lending in 20+ countries, combined with tools, offers a solid financial regulatory backbone to FinTech operations. Such tools that other businesses can utilise are, e.g., a full European banking licence and Mastercard membership, an international payment network and business banking services incl. a white label opportunity.

Tech know-how

A unified, modular, and flexible tech stack, paired with the ability to provide fully automated onboarding and scoring processes, enable a business to take off on the fast lane.

Attractive funding

Through Multitude Bank, we have a large deposit base that allows us to offer other businesses funding at favourable terms.

Cross-resourcing and selling opportunities

Our growth platform offers operational resources, such as centralised collections, customer service and accounting, but especially cross-selling opportunities between various business units. These resources allow our businesses to focus on building their business while we give them back-office support. In addition, tapping into a diversified customer base and the behavioural data of international customers from over two decades opens business opportunities beyond comparison and adds great value to end customers through a broader offering.

Making funding accessible

Our platform’s synergies and benefits aim to maximise organic growth – they create success stories in FinTech.

Multitude Bank

Multitude Bank is the backbone of our banking and financial operations and is part of the Multitude growth platform. Ferratum’s consumer loans are issued by Multitude Bank p.l.c., a public limited company registered in Malta and licensed by the Malta Financial Services Authority.

Click here for more information, www.multitudebank.com

Our investment case

Multitude is an international provider of digital financial services. We are Nordic-born and globally focused, operate across nearly 20 countries, and have two decades of solid track record in building and scaling financial technology. This experience and approach will enable our vision of becoming the most valued financial ecosystem.

Our investment case and strategy

Internal growth stories

Consumer Banking

– Ferratum

Ferratum is the wingman for everyday finance for consumers.

More about Ferratum

SME Banking

– CapitalBox

CapitalBox provides finance to small and medium sized enterprises (SMEs), the backbone of the European economy.

More about CapitalBox

Wholesale Banking – Multitude Bank

Multitude Bank provides credit facilities and payment processing architecture for non-bank lenders and other FinTechs.

More about Wholesale Banking