We believe that banks are primarily servicing the needs of affluent, upper middle class and middle class retail customers. At Affirmative, we shall aim to democratise consumer credit by servicing the under-served yet credit worthy customers. We shall forge deep relationships with fin tech partners that shall originate loans through multiple credit products – personal loans, consumer durable loans and student loans. Technology and alternative data sources, powering our credit engine, shall enable us to offer a risk based pricing to our customers.