Kreditech is a financial technology company that specializes in offering personal loans and financial services. Founded in 2012 and based in Germany, the company leverages advanced machine learning algorithms and big data analytics to assess the creditworthiness of individuals, particularly those who may lack traditional credit histories. Kreditech's services are designed to provide accessible and personalized financial products, aiming to improve financial freedom for consumers. The company's flagship offerings include loans and a digital wallet, available in several international markets.