Our multi-channel strategy
Our Strategy

Guided by our purpose to build a better world through financial inclusion, and fuelled by our people, our strategy builds on our successful propositions for the next generation of customers.  Excellent execution of our strategy will ensure we deliver a sustainable business with strong growth prospects and consistently positive shareholder returns.

    European home credit Mexico home credit  IPF Digital
Leverage our strong foundations Provide valued products and excellent customer experiences to our loyal customer base  Improve customer journeys and maintain consistent delivery to build market share  Develop our market-leading businesses in the Baltics and deliver the great potential of Mexico and Australia 


Attract the next generation of customers Launch and develop digital and hybrid offers in all markets and test a credit card offer  Expand territory and create compelling new propositions by blending face-to-face and digital journeys  Create the market-leading mobile offering for credit for low and medium income customers 
Create new sources of value through partnerships
Extend insurances and offer additional great-value services to our customers
Diversify acquisition channels by developing ’pay later’ options for retailers



Close up of female accountant or banker making calculations. Savings, finances and economy concept

Our Financial Performance

Return of Investment analysis

Our Investment Proposition