Ability for any online merchant to instantly offer virtual credit from their checkout procedure = increase sales, risk free, frictionless.
We are fusing the issuance of credit together with the 'call to action'. By moving upstream, we seek to 'catch' a customer when they purchase an item online, by offering them credit real time. We adopt alternative underwriting techniques which mean more people have access and aren't penalised for ghosts in their closet. We currently have 20 merchants integrated online and processing 10 new customers per day, with great growth exhibited.