At Oakam we’re on a mission to make financials services work better for billions of people around the world. Our customers are the ‘under-banked’. They are excluded from the mainstream system of financial services used by many to easily access credit, due to low incomes or poor or no credit history.

Oakam has operated a network of high-street stores in the UK since 2007 and successfully proven that it’s possible to offer affordable credit to the under-banked by taking a radically different underwriting approach. This involves new ways of assessing credit worthiness, measures to build trust with customers and innovative gamification techniques to instil responsible borrowing behaviour. The company is now using the latest thinking in data science to translate this model to the digital world, allowing it to scale its offering in the UK and overseas, beginning with a new smartphone app.

Management Team


Frederic Nze

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