The Credit Thing

The Credit Thing is a financial technology product operated by its parent company, Koto Card Limited. Launched as a digital alternative to traditional credit cards, it offers a credit facility through a mobile application. The company's mission is to provide fair and simple credit, particularly for individuals who may be new to credit or looking to improve their credit history. It utilizes Open Banking technology to assess affordability and provide instant credit decisions, aiming to offer a more transparent and accessible lending experience.