They realized that the traditional credit system was flawed and often excluded individuals who didnt have a credit history or a high credit score. This inspired them to create a credit card that would be accessible to everyone, regardless of their credit history. One of the key features of the TomoCredit card is the 2 for 2 program. This program allows cardholders to build credit by making just two small purchases per month and paying them off in full. This simple and effective strategy helps individuals establish a positive credit history and improve their credit score over time. Another advantage of the TomoCredit card is that it doesnt require a credit history for approval. This means that even individuals who are new to the country or have never had a credit card before can easily get approved for a Tomo card. This is a game-changer for many people who have struggled to access credit in the past. Additionally, the TomoCredit card has no fees. This means no annual fees, no foreign transaction fees, and no late payment fees. This is a refreshing change from traditional credit cards that often come with a range of fees that can add up over time. Overall, TomoCredit is revolutionizing the credit card industry by offering a smart and inclusive solution for individuals who have been excluded by the traditional credit system. With its 2 for 2 program, no credit history required, and no fees, the TomoCredit card is a great option for anyone looking to build credit and take advantage of the perks of a credit card. Social Link

Tonik offers a range of banking services including savings accounts, time deposits, and unsecured loans. Customers can open an account and manage their finances entirely through the Tonik mobile app, without the need to visit a physical branch. One of the key advantages of Tonik is its competitive interest rates. The bank offers high-interest savings accounts, allowing customers to earn more on their deposits compared to traditional banks. Tonik also provides flexible loan options with competitive interest rates, making it easier for customers to access credit. Tonik prioritizes security and customer protection. The bank uses advanced encryption and security measures to ensure the safety of customer data and transactions. Additionally, Tonik is regulated by the BSP and customers deposits are insured by the PDIC, providing an extra layer of protection. Tonik aims to provide a seamless and convenient banking experience for its customers. The mobile app allows users to easily open an account, deposit and withdraw funds, transfer money, pay bills, and access other banking services. The app also provides personalized financial insights and recommendations to help customers manage their money more effectively. Overall, Tonik is revolutionizing the banking industry in the Philippines by offering a fully digital and customer-centric banking experience. With its competitive rates, convenient services, and strong regulatory oversight, Tonik is well-positioned to capture a significant share of the retail deposit and lending market in the country. Social Link

With Timo, clients can open a savings account with no minimum balance requirement and earn competitive interest rates. They can also set savings goals and track their progress through the Timo app. For those looking to invest, It offers a variety of investment options, including mutual funds and stocks. Clients can easily manage their investments through the app and receive regular updates on their portfolio performance. It also provides borrowing solutions to help clients meet their financial needs. Whether it a personal loan or a credit card, Timo offers competitive interest rates and flexible repayment options. One of the key features of Timo is its digital banking platform. Clients can access their accounts and perform transactions anytime, anywhere through the Timo app. The app also provides personalized financial insights and recommendations to help clients make informed financial decisions. In addition to its digital banking services, italso has physical branches where clients can receive personalized assistance from Timo team of financial experts. Overall, It aims to provide a seamless and convenient banking experience for its clients, with a focus on personalized service and innovative digital solutions. Social Link

Think Money Limited is an electronic money institution that provides various financial services to individuals. These services include current accounts, debit cards, credit cards, home insurance, and consumer loans. It operates as an electronic money institution, which means that it issues electronic money and provides payment services. As an electronic money institution, It is authorized and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. This means that it must comply with certain regulations and standards to ensure the safety and security of its customers funds. In terms of financial performance, It had total assets of 5.59 million GBP in 2019. It generated a net income of 893,941.00 GBP during the same period. These figures indicate that it is a relatively small financial institution. Overall, It offers a range of financial services to individuals, including current accounts, debit cards, credit cards, home insurance, and consumer loans. It operates as an electronic money institution and is authorized and regulated by the Financial Conduct Authority. Social Link

Tangerine offers a range of banking services, including savings accounts, chequing accounts, credit cards, mortgages, and loans. They also offer investment products, such as mutual funds and GICs, through Tangerine Investment Funds Limited. One of the key features of Tangerine is its user-friendly online and mobile banking platforms. Clients can easily manage their accounts, transfer funds, pay bills, and deposit cheques using these platforms. Tangerine also offers 24/7 customer support through phone, email, and live chat. Tangerine is known for its competitive interest rates on savings accounts and GICs. They often have promotional offers for new clients, such as bonus interest rates or cash incentives for opening an account. Overall, Tangerine aims to provide convenient and cost-effective banking solutions to its clients. With its online-only model and no-fee structure, it appeals to individuals who prefer to do their banking digitally and want to avoid unnecessary fees. Social Link

SwipeSum technology works by analyzing a company current payment processing statements and identifying areas where fees can be reduced or eliminated. This includes identifying unnecessary fees, negotiating lower rates with processors, and optimizing payment processing systems. SwipeSum software can be integrated into a company existing payment systems, allowing for seamless processing and reporting. The software also provides detailed analytics and reporting, allowing businesses to track and manage their payment processing costs. SwipeSum also offers a white-label solution, allowing banks, processing companies, and point-of-sale dealers to offer SwipeSum technology to their own customers. This allows these companies to provide their customers with a cost-comparison sales proposal, helping them find the best payment processing solution for their needs. Overall, It aims to help businesses reduce their payment processing fees and optimize their payment systems, ultimately saving them money and increasing their revenue. Social Link

stc pay provides a seamless and user-friendly experience, allowing customers to easily manage their finances and make transactions with just a few taps. The service is available 24/7, ensuring that customers can access their funds and make payments whenever they need to. One of the key features of stc pay is its security measures. The platform uses advanced encryption technology to protect customers personal and financial information, ensuring that their transactions are safe and secure. Additionally, stc pay offers biometric authentication options, such as fingerprint or face recognition, to further enhance security. With stc pay, customers can easily transfer funds to other stc pay users or to any bank account in Saudi Arabia. This makes it convenient for users to send money to friends and family or pay bills without the need for cash or physical cards. stc pay also offers a wide range of online and in-store payment options. Customers can use the app to make purchases at participating retailers, both online and offline, by simply scanning a QR code. This eliminates the need for physical cards or cash, making transactions quick and hassle-free. Furthermore, stc pay allows customers to make online purchases from a variety of merchants, including e-commerce websites and mobile apps. This makes it easy for users to shop online and pay securely without the need to enter their card details for every transaction. Overall, It provides a convenient and secure way for customers to manage their finances and make payments. With its user-friendly interface, advanced security measures, and a wide range of payment options, stc pay is a reliable digital wallet solution for individuals in Saudi Arabia. Social Link

Splitit is a Buy Now, Pay Later (BNPL) service that allows consumers to make purchases using their existing credit card and pay for them in monthly installments. Here are some benefits associated with using Splitit, both for consumers and merchants: For Consumers: No New Credit Applications: Splitit doesn’t require consumers to apply for a new credit line. Users can utilize their existing credit cards, making it more convenient and avoiding potential impacts on credit scores. Interest-Free Payments: Similar to other BNPL services, Splitit typically offers interest-free installment plans. This can help consumers budget more effectively and avoid interest charges on their purchases. Transparent Pricing: Splitit aims to provide transparent pricing. Users are aware of the total cost of their purchase upfront, and there are no hidden fees or interest charges if payments are made on time. Use of Existing Credit Card Benefits: Consumers can continue to enjoy the benefits and rewards associated with their existing credit cards, such as cashback, rewards points, or travel miles, when using Splitit. Global Acceptance: Splitit is designed to work with credit cards, making it accessible to users with internationally accepted cards. This can be convenient for consumers who shop across borders. For Merchants: Increased Conversion Rates: Offering Splitit as a payment option can lead to increased conversion rates, as consumers may be more likely to make a purchase when they have the flexibility of paying in installments. No Risk of Chargebacks: Splitit is not subject to chargebacks as it does not extend credit directly to consumers. This can reduce the risk for merchants compared to traditional payment methods. Broad Consumer Base: Splitit may attract a broader consumer base, including those who prefer to use their existing credit cards for purchases but want the option to pay in installments. Easy Integration: Splitit is designed to integrate seamlessly into existing e-commerce platforms and checkout processes. Merchants can implement the service without major changes to their systems. Enhanced Customer Experience: Providing the option to pay in installments can enhance the overall shopping experience for customers, potentially leading to increased customer satisfaction and loyalty. It’s important for both consumers and merchants to be aware of the specific terms and conditions of using Splitit, including any fees associated with missed payments or changes to the payment plan. As with any financial service, understanding the terms helps users make informed decisions based on their financial situation and preferences.   Social Link

Sprucebooks also provides a secure and compliant environment for storing and managing client information. With Sprucebooks, merchants can streamline their payment processes, improve client communication, and enhance their overall customer experience. Social Link

Additionally, STACK offers real-time notifications for every transaction made with the card, ensuring that users are always aware of their spending. The app also allows users to set financial goals and track their progress towards achieving them. Another unique feature of STACK is its ability to seamlessly integrate with other financial apps and services. Users can connect their STACK account to popular budgeting apps, investment platforms, and more, allowing for a comprehensive view of their financial health. Furthermore, STACK prioritizes security and privacy. The card is equipped with chip and PIN technology, and users can easily freeze and unfreeze their card through the app if it is lost or stolen. STACK also uses advanced encryption and security measures to protect user data. Overall, It offers a convenient and user-friendly way to manage finances, save money, and make transactions both domestically and internationally, making it an attractive option for individuals looking for a modern and innovative banking solution. Social Link

Slice is a leading provider of POS and card processing technology, offering innovative solutions to businesses in the industry. One of the key features of Slice is its zero-fee credit card processing, which allows businesses to save on processing fees and increase their bottom line. Slice offers competitive rates for Conventional methods of processing, ensuring that businesses get the best value for their money. With Slice, businesses can process credit card payments quickly and securely, without having to worry about high fees eating into their profits. In addition to credit card processing, It also offers a range of other merchant services and solutions. Merchant Analytics provides businesses with valuable insights and data to help them make informed decisions and optimize their operations. Online Restaurant Ordering allows restaurants to offer online ordering and delivery services, making it easier for customers to order their favorite meals. Gift and Loyalty Programs help businesses attract and retain customers by offering rewards and incentives. With Slice, businesses can streamline their operations, improve customer satisfaction, and increase their revenue. Whether it processing payments, analyzing data, or implementing loyalty programs, Slice has the solutions businesses need to succeed in the industry. Social Link

SlimPay offers a range of payment solutions to help merchants streamline their payment processes and improve their cash flow. Their services include: 1. Direct Debit: SlimPay enables merchants to collect payments directly from their customers bank accounts through SEPA Direct Debit. This allows for easy and automated recurring payments, reducing the risk of failed payments and improving cash flow. 2. Card Payments: SlimPay also supports card payments, allowing merchants to accept payments from customers using credit or debit cards. They offer a secure and user-friendly payment gateway that can be integrated into the merchant website or app. 3. Subscription Management: SlimPay subscription management solution helps merchants manage their recurring payments efficiently. It allows merchants to set up and manage subscriptions, handle cancellations and refunds, and track payment history. 4. Payment Page Customization: SlimPay provides merchants with the ability to customize their payment pages to match their brand identity. This helps to improve the customer experience and build trust with customers. 5. Fraud Prevention: SlimPay has built-in fraud prevention measures to protect merchants from fraudulent transactions. They use advanced algorithms and machine learning to detect and prevent fraudulent activities. 6. Reporting and Analytics: SlimPay provides merchants with detailed reporting and analytics tools to track payment performance and identify trends. This helps merchants make data-driven decisions and optimize their payment processes. Overall, SlimPay payment solutions are designed to simplify and automate the payment collection process for merchants, helping them improve cash flow, reduce payment failures, and increase customer satisfaction. Social Link