Discover the future of finance
Libity is an AI-powered global money platform for enterprises of all sizes. Generate new opportunities and positive customer outcomes.
Pioneering, technically unrivalled
Libity believes customers should spend and save with brands they love and trust. We help businesses offer digital account and credit services in their own brand and on a fully managed basis. Our platform processes one million+ applications a month and has issued hundreds of thousands of loans across the UK, Europe, and Saudi Arabia. A fully modular system that automates and optimises every component of modern digital finance; utilising lead management, underwriting, customer service, collections, payments, compliance and Sharia modules.
Accounts
Lead the charge in flexible, affordable digital finance that puts usability front and centre. Feature rich Libity accounts, packed with functionality.
Spend in 150+ countries
Track bills and make savings
Personalised budget tips
Quick and easy payments
Rewards and cash back
Spend in 150+ countries
Track bills and make savings
Personalised budget tips
Quick and easy payments
Rewards and cash back
Modules
Launch at a scale that works for you.
Utility: Libity harmoniously pairs with your existing platforms so customers can access the services they need when they need them.
Affordability: 100% control and visibility on operation costs saves everyone time and money.
Precision: Our unique decision logic module means you can help the customers other lenders can’t.
Flexibility: Our underwriting module is easily repurposed to meet international market-specific regulations.
Reliability: Millions of applications and hundreds of thousands of loans processed worldwide.
Lending
Fully automated application and collection cycle powered by cutting edge AI and machine learning technology.
-
Accurately assesses circumstances
-
Responsibly manages risk
-
Eliminates operational inefficiencies
-
Offers uninterrupted service
-
Delivers continuous customer satisfaction
Find your perfect plan
Libity works with brands to reach the millions of customers mainstream providers can’t.
i5 Investor
Our co-branded solution allows investors to quickly expand under a shared brand identity, on a fully managed basis, including all marketing and communications.
i7 Enterprise
Your own branded financial service allows enterprises to quickly expand on a fully managed basis. We provide marketing assets and communications templates to suit your needs.
i9 Institution
Libity cloud helps institutions deliver modern financial services their way, in their own brand. We also deliver the tools and training for you to effectively track your growth.
Resources and thought leadership
Find out how we’re transforming the world of digital financial services one brand at a time.
The future of financial services belongs to brands
Learn how brands are leading the next wave of financial services, using embedded finance to increase engagement, loyalty and revenue.
Why a Cards and Accounts Service Creates Trust and Value
Customer expectations around money have changed.
How cashbacks and rewards incentivise spending
Every payment tells a story. Where customers spend, how often they transact and what they prioritise reveals patterns that brands…
Why Human Support Matters in a Digital-First Financial World
Libity helps brands deliver digital-first financial services with real human support. Combine powerful AI with trusted, UK-based customer care.
Resources and thought leadership
Find out how we’re transforming the world of digital financial services one brand at a time.
The future of financial services belongs to brands
Learn how brands are leading the next wave of financial services, using embedded finance to increase engagement, loyalty and revenue.
Why a Cards and Accounts Service Creates Trust and Value
Customer expectations around money have changed.
How cashbacks and rewards incentivise spending
Every payment tells a story. Where customers spend, how often they transact and what they prioritise reveals patterns that brands…
Why Human Support Matters in a Digital-First Financial World
Libity helps brands deliver digital-first financial services with real human support. Combine powerful AI with trusted, UK-based customer care.
Frequently asked questions
Customers increasingly make purchases based on where they know they can get credit. Libity helps your company offer customers services that help them get the credit they need in real time.
In addition to standard offering like rewards and cash back, your customers can also have loans to spend with you or elsewhere, or a place to grow their savings and manage bills. Suddenly, you become more than just a brand they love- you become a service they rely on.
Libity increases brand loyalty by giving you multiple additional services to offer customers that encourage them to come back regularly.
At its most basic, Libity offers customers loans and rewards for when they shop with your brand, but you also become a safe place for them to store their income and grow their savings, somewhere for them to trade and invest, or to send money to family without extra fees.
This increases not just your brand loyalty but brand awareness- potentially massively increasing your customer base, maximising potential yield, and all with minimal operational costs.
We use proprietary Artificial Intelligence and highly optimised algorithms deployed into a global cloud-based infrastructure to review thousands of data points on every potential customer, in milli seconds.
We cross reference and 3D profile to accurately predict who to lend to and when they will repay. This helps us collect 78% of loans on time, 91% in full, with zero human intervention.
Libity’s banking platform empowers your brand with a number of cutting edge financial products and services including:
- Personal loans
- Current and savings accounts
- Debit cards
- Cashback and rewards
- International money transfers
- Travel spending
- Bill splitting
- Money management tools
And the list is growing.