UTOPISTICA

Utopistica is a parent technology company that builds platforms, decision systems and digital infrastructure for consumer lending in the Czech Republic. According to its website, the company does not hold a bank or lending licence itself; the licences sit with its subsidiaries. The listed scope includes scoring, onboarding, KYC/AML, servicing platforms, a data layer and APIs.

The customers of the platform are the licensed subsidiaries, which present lending products to end consumers and are footed with the "powered by Utopistica" line. The site names FlexiFin One s.r.o. (consumer loans), FlexiFin Business s.r.o. (business loans) and FlexiFin prime s.r.o. (consumer loans) as group companies. The website does not describe the revenue model.

The registry lists the company as a joint-stock company (a.s.) founded in 2008. The website gives its seat as Prague and says it operates primarily on the Czech consumer-credit market. The website is published in Czech and does not describe open roles.

Product: Lending platform, decision and scoring systems, KYC/AML, servicing platform, data layer and APIs used by licensed consumer-credit subsidiaries.