Kreditech Group is a technology company that delivers a range of custom-tailored financial services with a focus on underbanked consumers across the globe. Kreditech uses big data, proprietary algorithms and automated workflows to acquire, identify and underwrite customers within seconds. Automated processes combined with self-learning algorithms ensure fast and convenient customer service, minimizing cost and human error while continually improving by incorporating new customer data. Since its founding, Kreditech has scored more than two million individual loan applications, using up to 20,000 data points per application. Kreditech's global subsidiaries offer products from individually tailored installment loans and microloans to payment and other financial services. Kreditech's Monedo brand provides an integrated suite of financial products, including a digital wallet and a personal finance manager designed to help customers manage their credit score and plan their spending. Founded in 2012 by Sebastian Diemer (CEO) and Alexander Graubner-Müller (CTO), Kreditech Group has a team of over 200 passionate employees with over 40 nationalities.