Multitude AG

Multitude AG is a European FinTech company providing digital lending and online banking services to consumers, small and medium-sized enterprises, and other financial institutions. It operates through three independent business units: Ferratum for consumer banking, which addresses small, short-term, unplanned financial needs; CapitalBox for SME banking, offering growth financing to businesses; and Multitude Bank for wholesale banking, delivering secured debt financing and payment solutions to banks and payment institutions. The company's internal Banking-as-a-Service growth platform supports these units and external businesses by providing technology, regulatory expertise, cross-resourcing opportunities, and funding tools to enable faster scaling. Headquartered in Zug, Switzerland, Multitude AG serves customers across nearly 20 countries, focusing on underserved segments overlooked by traditional banks and leveraging its FinTech ecosystem to facilitate efficient financial services delivery.