Sustainability

Digital lending gives more customers a practical way to access financial services without relying on traditional bank credit. Across the markets, we serve economically active customers with products designed for both short-term liquidity needs and longer-term financing.

The journey is built around speed and clarity: customers apply online, complete digital checks, receive an offer, sign electronically, and manage their loan through digital channels. Automated scoring and data-based assessment keep decisions fast, consistent, and controlled. Responsible lending shapes how each product is offered and managed. Clear product information, upfront repayment terms, and affordability checks help match financing to the customer’s situation. All of it is established through market-specific policies and procedures, as well as a group-wide Code of Business Conduct and Ethics.

Wandoo Finance’s growth depends on people with strong expertise, clear ownership, and the ability to work across markets. The Group combines strategic and operational knowledge from Latvia with local execution, helping teams stay aligned while responding to market-specific needs.

We aim to create a fair and supportive workplace where employees can develop, contribute, and take part in the Group’s long-term growth. This is supported through structured feedback, training opportunities, flexible working arrangements, well-being initiatives, and a culture built on cooperation, trust, and accountability.

Every new market brings different rules, customers, and risks. Wandoo Finance sets common expectations across the group, then makes sure each business meets the requirements where it operates. That approach gives our teams a consistent basis for decisions without overlooking what matters locally.

Governance runs through the practical details: how we assess borrowers, work with customers in difficulty, protect their information, approve spending, and choose business partners. We expect people to disclose conflicts, challenge decisions that do not look right, and raise concerns without fear of retaliation. Clear responsibilities and regular review help us spot problems early and act on them.

Our environmental approach is focused on moving toward climate-neutral operations while improving how we measure, manage, and reduce our impact. As a digital financial services business, our direct footprint is primarily associated with energy use, resource consumption, business travel, IT infrastructure, and day-to-day office activities.

We are building this approach around clear operational measures: stronger resource monitoring, improved waste management, energy-efficiency initiatives, lower-emission travel and commuting practices, and internal actions that support more sustainable habits across the business.

Where emissions cannot be reduced through operational improvements, carbon offsetting is a part of the path toward climate neutrality. The aim is to manage environmental impact through a practical, structured approach grounded in measurement, reduction, and credible compensation.

Many people make everyday financial decisions without knowing the fundamentals of money management. The company created financial literacy platforms to support better money habits and discipline, and stronger financial confidence.

The platforms operate in Poland, Romania, and Peru, helping users understand how to spend, save, borrow, and plan for the future. Each platform includes an interactive self-assessment tool that gives users practical insights into managing their budgets more effectively and building savings over time. Users can also explore more than 50 articles, guides, and tips covering everyday financial topics in simple language.

In 2026, the platforms recorded more than 20,000 unique sessions, with 12% of users returning. By 2030, we aim to reach at least 200,000 consumers through our financial literacy platforms.