Atlanticus Holdings Corp

Atlanticus is a financial technology company that enables more inclusive financial solutions for Everyday Americans. The company uses data, analytics, and innovative technology to provide access to financial solutions for underserved Americans. Atlanticus offers technology and support services to lenders who provide various financial products and services to consumers. Private label and general purpose card products are originated by The Bank of Missouri, WebBank, and First Bank and Trust (bank partners). These bank partners originate accounts through retail and healthcare point-of-sale locations, direct mail solicitation, digital marketing, and partnerships with third parties. Their services often reach consumers who may lack financing options from larger financial institutions. Atlanticus' flexible technology solutions allow bank partners to integrate a paperless process and instant decisioning platform with the existing infrastructure of participating retailers, healthcare providers, and other service providers. Using Atlanticus' technology and proprietary predictive analytics, lenders can make instant credit decisions based on hundreds of inputs from multiple sources, offering credit to consumers overlooked by providers focusing solely on higher FICO scores. Atlanticus' decisioning platform is enhanced by machine learning. The company is principally engaged as a program manager, providing a technology platform and corresponding products and services to lenders in the U.S.