The success of KFL has been in identifying areas and niches which have limited coverage of banks and making significant inroads into the hearts and minds of customers, by meeting their funding needs. We leverage on alternative and tech-driven credit appraisal methodologies to gauge creditworthiness, which lets us target the ones left traditionally underserved by banks and financial institutions. The use of technology to optimise business processes keeps our cost in check and allows us to maintain consistent profitability since our inception.