Younited Group is a leading provider of instant credit in Europe, serving a diverse clientele that includes brands, e-merchants, and neobanks. The company operates in a market that covers 65% of Europe, with a significant presence in five countries. It has achieved a leader status in these countries within a span of five years, demonstrating a robust growth trajectory.

The company's business model is centered around providing a single product - instant credit of up to €50,000 with maturities up to 84 months. This is made possible through the use of open banking, a system that provides third-party financial service providers open access to consumer banking, transaction, and other financial data from banks and non-bank financial institutions.

Younited Group generates revenue through interest and fees on the credit it provides. It leverages three distribution channels - direct to consumer, merchant partners, and financial partners - to reach its customers wherever they are. This multi-channel approach allows the company to establish European partnerships with prestigious players in the market.

The company has a high customer satisfaction rate, with a TrustPilot score of 4.8/5. This is attributed to its superior user experience and unique product offering. Customers often return for more credit, whether they initially obtained it directly from Younited or through its partners.

In addition to providing credit, Younited Group also offers financial coaching through Younited Coach, an AI-powered tool that guides customers on their personal finance journey. This is part of the company's sustainable credit strategy, which aims to foster financial empowerment and well-being among its customers.

Keywords: Instant Credit, Europe, Open Banking, Multi-Channel Distribution, Customer Satisfaction, Financial Partnerships, User Experience, Financial Coaching, Sustainable Credit Strategy, Financial Empowerment.