Twisto

At Twisto, we are fundamentally reshaping the landscape of everyday payments through pioneering technology and a customer-centric approach. Our journey began with the introduction of the 'Buy Now, Pay Later' (BNPL) concept to the Czech Republic, setting a new benchmark for e-commerce transactions and offering unprecedented flexibility to consumers. We have engineered a sophisticated financial ecosystem designed for the modern, mobile-first user who demands simplicity, transparency, and control over their finances. Our core innovation lies in a powerful mobile application that serves as a central hub for managing all payments, from one-click online purchases and bill payments via a simple photo with 'Twisto Snap', to seamless in-store transactions using our physical or virtual cards, compatible with both Apple Pay and Google Pay.

Fueling our advanced capabilities is 'Nikita', our proprietary in-house scoring engine. This cutting-edge system leverages big data and artificial intelligence to perform real-time creditworthiness assessments, analyzing hundreds of data points in milliseconds to mitigate risk and prevent fraud. This technological backbone allows us to offer features like deferred payments, interest-free installments, and a clear overview of spending, empowering our users to manage their cash flow without stress or hidden fees. Now as part of Param, a leading Turkish fintech group, we are accelerating our expansion across Europe. We are committed to pushing the boundaries of what's possible in payments, continuously innovating to deliver solutions that not only meet but anticipate the evolving needs of our customers, making financial management effortless and intuitive.