Out of the 22 million online shoppers in Eastern Europe, about 38% are underserved and disregarded by banks today. Many young families, students and freelancers with no credit history, but with strong digital path, just don't fit the outdated checkbox style risk models of banks. Their only option is postponing their wishes and needs or resort to overpriced payday-loans with APRs north of 1 000%. At Twisto we are on mission to provide simple & fair daily financing solutions for the online generation. We do this by leveraging non-traditional data sources and machine learning for credit assessment. We call our unique risk engine NIKITA which is by far outperforming the traditional credit scoring models. (more at nikitaengine.com) Twisto Now ñBuy now, pay laterî for e-commerce, where customers pay 14 days interest free. With average approval rate of 80% and single digit default, Twisto is the fastest point-of-sales credit in the market. No additional information required at checkout - Twisto is helping merchants drive mobile conversion and improve average order size Twisto Account Universal credit line with 45-day interest free and monthly invoice for all payments. In order to cover 100% of daily financing needs Twisto partnered with WireCard to launch Twisto Card enabling customers to use instant credit everywhere, enjoy instant notifications, favourable FX rate, cashback and UNIQA travel insurance Backed by: ING Ventures, UNIQA Ventures, ENERN, Partners, Cezary Smorszczewski and MITON. We are honoured by recent recognitions: - Top 20 Czech startups (Forbes 2016 and 2017) - Top50 FinTech by Pathfinder rankings (2017) - Winner: Most innovative experienced startup (Wolves Summit Poland 2016) - Winner: Most innovative e-payment solution (MPE Awards Berlin 2016) - Winner: E-commerce solution of the year (E-commerce Awards 2014) - Winner: Top payments startup (EU FinTech startups 2017) Twisto mission & vision in 5 minutes @ FinovateEurope (2017 ) http://finovate.com/videos/finovateeurope-2017-twisto/