Leanpay aims to be a pioneer of BNPL 3.0. with a mission to disrupt the consumer loans segment. Existing BNPL players are financing an average basket size of around 100 EUR. Leanpay is focused on the segment of bigger purchases up to 10.000 EURm, with an average basket size 5x bigger compared to BNPL 2.0 players. Today, the segment of financing bigger purchases is mostly covered with traditional consumer loans provided by banks. Leanpay is able to disrupt the segment because it is a regulated credit company with high competencies in providing in-depth credit analysis for its clients, preventing over-indebtedness and assuring Leanpay position as a responsible lender.