TF Bank is an internet-based niche bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The platform is designed for scalability and adaptability to different products, countries, currencies and digital banking solutions. TF Bank prioritises organic growth under controlled conditions and expansion is taking place in carefully selected segments and markets. The business is conducted in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany and Austria through branch or cross-border banking. The business is divided into three segments that all use the group’s IT platform and credit assessment models while benefiting from strong cross-selling opportunities: Consumer Lending with focus on unsecured consumer loans, Ecommerce Solutions with digital payment solutions primarily to online retailers and Credit Cards with focus on offering credit cards. The target group for all services is creditworthy individuals and the loan amounts are relatively small with short repayment terms. TF Bank also offers deposit products in several markets.