Credit Culture, a subsidiary of DEY Private Limited, is the first Fintech company to provide digital solutions for personal loans in Singapore. Its innovative and proprietary technology enables the company to address current market inefficiencies, enabling consumers to benefit from a faster, cheaper and better loan application process. Credit Culture is one of six entities operating under a pilot by the Ministry of Law for new moneylending business models. The pilot aims to better protect borrowers through business-led improvements in the industry. Using innovative digitalised solutions in the lending industry, Credit Culture aims to lower the cost of credit for consumers and drive financial inclusion across a spectrum of income bands, including the lower income segment that does not have access to banking facilities. Founded by a group of veteran and former bankers, the management team has collectively more than 30 years of experience in the financial industry and in-depth knowledge of the consumer credit and technology space.