Ferratum Oyj 

Operating out of Helsinki, Finland, Multitude SE and its subsidiaries specialize in delivering mobile banking solutions and digital lending products to both individual consumers and small-to-medium sized businesses (SMBs). Its comprehensive loan portfolio encompasses diverse offerings such as microloans, PlusLoans, Primeloan, revolving credit facilities, working capital installment loans, and purchase financing. Beyond lending, the company also provides essential banking services, including current and deposit accounts (savings and fixed-term), debit cards, and seamless payment and transfer capabilities. Multitude SE maintains a significant presence across Northern, Western, and Eastern Europe, in addition to other international markets. The company, which was established in 2005, previously operated under the name Ferratum Oyj before officially rebranding as Multitude SE in June 2021.