24 March 2020Covid 19: Official announcement IT Smart finance
Smart and convenient financial services for everyone
IT Smart Finance is fast-evolving international fintech group. We’re pioneering fintech innovations on emerging markets. Our data-driven scalable platform along with unique double scoring system empowers us to offer customers the most tailored product avoiding high risk.
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Mission
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Product
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Strategy
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Scoring
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Video about us
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- Our mission is to provide an opportunity for our customers to improve their standard of living by using our services. We make access to our secure loan services simple and straight-forward.
- In order to achieve that, we work hard to develop innovative projects in the digital finance industry and have created patented software solutions. We also pay special attention to the composition of scoring models and machine learning for our risk management system. This guarantees reliability for customers of and investors in our fintech services.
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- Single payment loan (up to 30 days)
- Loan amount – up to €800
- Possible loan extension – up to 30 days (by request)
- Salvation for the circumstances when cash is needed immediately
- Instant and convenient – loans are processed online so the customers get funds in minutes
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Our expansion:CIS region2014Mexico4Q2019Spain2Q2019Brazil1Q2020
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01.We use innovative technology and data driven insights to provide that service – quickly, conveniently and responsibly.02.Cutting edge technology means that we can evaluate credit worthiness and approve a loan in seconds. It usually takes less than 15 minutes for money to be transferred to a customer’s account.
Rapid growth empowered through effective scaling strategy
Nibble, the 2020’s project
Nibble is the new Peering platform based on the “peer 2 portfolio” model, that enables our customers to safely invest in non-bank lending products.This platform supports alternative lending solutions in different countries, offering a variety of portfolios to investors in a safe and transparent way, which will make operative to be more cost-effective. With Nibble you can invest in P2P loans through our loan originator: "Joy Money" , also part of the IT Smart Finance Group which is operating in Russia since 2014, Spain market since 2019 and it will be soon operating in Mexico in 2020. The platform works on a P2P basis. We put our customers first, that is why our platform is user-friendly and customizable. As the investment portfolio is generated automatically, there’s no need to manually search for new loans to invest in. Users can choose such criteria as transaction location and investment range. Investors are offered a buyback guarantee, meaning that the company that issued the loan is committed to buy back the loan on the 61st day if there is any delay. Additionally to our secure system and the possibility to choose the country of investment and investment amount limit, our customers are offered an open model of gaining profit. The are guaranteed to receive a return up to 12% per year, even if the loan repayment is delayed by more than 30 days.
Joymoney, member of IT Smart Finance Group, obtained the official seal of “Online Trust”
We want to congratulate JoyMoney.es the lending company who belongs to the IT Smart Finance Group, for obtaining the “Online Trust” certification which verifies that our service guarantees the rights of our customers.
Websites with this seal demonstrate their commitment to good practices on the Internet. "Confianza Online" is the first private entity accredited in Spain by the General Directorate for Consumer Affairs for the alternative resolution of disputes in the field of Electronic Commerce, among others the AEPD, the Code of Ethics and the Community of Madrid.
To achieve this, the company had to undergo a rigorous analysis in compliance with the Code of Ethics. This is made up of a set of rules divided into four main areas:
- Protection of personal data.
- Electronic contracting with consumers (Electronic Commerce)
- Digital Advertising
- Protection of minors and adolescents
In this way, the company accredits higher levels of security and self-regulation, as our approach has always been to work with transparency, ensuring that our customers and investors feel supported by us.
International Women's Day and ITSF statement on staff continuous growth.
For celebrating the International Women’s day IT Smart Finance had a very special evening. All of the members from all of the companies were invited to honour their fellow female employees and women in general. Our president, Maxime Pashchenko, along with Marina Smirnykh, spoke about women and their role in the company. Marina gave some interesting facts on the percentage of women in leading jobs. The comparison between the russian numbers versus the ITSF holding, indicates how advanced in gender equality the company is. Our personnel has more females in executive roles than men, 54% opposed to 46% accordingly. Which is not usual in the fintech sector. Women were celebrated also for their adaptability to fast evolving scenarios and making their way for being present in every sector of the economy.
Following the recognition of adaptability as a valuable skill, this evening had a very inspiring highlight. In our president's participation, he made a very simple yet affirming exercise showing how common it is to deviate from what we once thought would be our professional life. ITSmart Finance understands that professions, conceived as in the past years are no longer valid. With more and more frequency, people are specializing and acquiring a miscellaneous set of skills to perform better or to stand out from the rest. It is common to study a career and not to work in the exact field. But to use some of the knowledge, hard skills and soft skills to build up a profile suited to branch off into a more appealing job than what was thought at age 18 or at the beginning of any programme.
In the search of our own path, IT Smart Finance, wants to contribute to achieve its personnel dreams through education and training. Therefore, it was announced that the company decided to cover 11 study grants for our staff to be more specialized. It would be up to the employees to identify their desired subject, for example, creative arts or a self development discipline. This will help them with the tuition of the programme in any particular field that may have evolved very quickly or to develop a specific skill. All of these new skills and knowledge will enrich them individually as well as make them better professionals.
After all of these good news we could not do anything else but to make a toast. What a fine way to celebrate women and our staff!
IT Smart Finance Headquarter:
Aribau 195 3E, Barcelona
08021, Spain
Tel.: +34 649 831 938
E-mail: info@itsmartfinance.com
© 2020, LLC "IT Smart Finance"
Legal address: Aribau 195 3E, Barcelona, 08021, Spain. E-mail: info@itsmartfinance.com.



