Cofidis

Founded in 1982 as the financial services arm of 3 Suisses, Cofidis has grown into a major European player in consumer finance. It is a subsidiary of the Crédit Mutuel Alliance Fédérale group. The company's core business is providing a wide range of credit products directly to consumers and through retail partners, including revolving credit, personal loans, debt consolidation, and insurance products. Cofidis is also a key provider of fractional payment solutions for e-commerce and physical retail, allowing customers to pay for purchases in installments. The company operates on a model of remote relationship management, utilizing phone, mail, and digital channels to serve its millions of customers across Europe.