What happened was that, when we started providing the service, we guarantee the bad debts in the service. And that's why we start actively use different kinds of analytics to develop the different kinds of scoring systems. And these scoring systems will work very fast on the fly will make the scoring on the fly. We start from the basic one, and then we start to improve it till we now use machine learning for our scoring.

The technological approach for this task grows year by year.

In the first three days we provided over 700 credits in Azerbaijan with our first operator - we were not expecting such success.

It's not the only that the banks won't give the card to them, because they are too young, they don't have enough income, or things like that, they just don't want to go through the more tedious process to get a credit card… now you don't need to go to any banks, you don't need to produce any documents, and you can get a loan in maybe a couple of seconds.