Ocean Credit was founded in 2015 as an IFN with a strong technology component and a desire to change the Romanians’ perception regarding classic lending institutions. We are among the pioneers of digital lending in Romania, the first to bring card2card credit transfer technology to the local market, automating the entire lending process, from a KYC (know your customer) based on Facebook account, to instant money transfer on the salary card, as well as being the first to offer free online access to FICO score. Our mission is to transform complex financial information into simple data that can help people save money and time when they borrow. Time and experience are the decisive factors that differentiate a Fintech from a Bank. Users can access a loan in less than 8 minutes, thanks to 3 main services: risk management based on machine learning, instant money transfer card2card, and FICO score analytics. Ocean Credit products are simple and easy to understand, presented under friendly names like Crab with a limit of 1500 lei, Pinguin - 4500 lei, and Delfin up to 9000 lei, accessible exclusively online, 24/7. To this date, Ocean Credit has provided loans worth over 9 million euros out of more than 43,000 contracts.