Multitude AG is a FinTech company engages in offering digital lending and online banking services to consumers, small and medium-sized enterprises, and other FinTechs overlooked by traditional banks. It operates through the following segments: Consumer Banking, SME Banking and Wholesale Banking. The Consumer Banking segment under the Ferratum brand provides digital loans to individuals for short-term, unplanned financial needs arising from unexpected life events. The SME Banking under the CapitalBox brand provides financing solutions to the small and medium-sized enterprises. The Wholesale Banking segment under the Multitude Bank brand focuses on delivering high impact, institutional-grade solutions through two core offerings: Secured Debt and Payment Solutions. The company was founded by Jorma Olavi Jokela in 2005 and is headquartered in Zug, Switzerland.