Multitude AG

Multitude AG is a publicly listed European FinTech company specializing in digital financial and banking services for individuals, small and medium-sized enterprises, and other financial entities. Its primary function is to deliver innovative lending and online banking solutions through three key business units: Ferratum for consumer banking, CapitalBox for SME banking, and Multitude Bank for wholesale banking, all powered by an internal Banking-as-a-Service platform. These operations span nearly 17 countries, primarily in Europe, with services including consumer loans, business financing, secured debt, and payment solutions. Headquartered in Helsinki, Finland, with additional presence in Zug, Switzerland, Multitude AG employs around 800 people and focuses on underserved markets overlooked by traditional banks. Founded in 2005, the company plays a significant role in the financial services sector by promoting accessible digital finance across consumer, SME, and wholesale segments, contributing to the growth of FinTech ecosystems in Europe.