With us you will enter the world of FinTech ... the most progressive segment for new companies trying to change payment conventions and financial products. We have great ambitions in Twisto. We went into the fight against typical repayments and usurers. We want to teach the Czechs that they can finance their purchases without long, boring contracts and inhumane interest.
We make it easier to pay for online purchases. We want people to be able to shop in Czech e-shops without worries. In Twisto, we are obsessed with innovation and come to market with unusual ideas.
We are looking for a colleague who will not only help us develop existing products, but will also add our ideas and experience to the news that we will introduce in 2016.
Our main focus is "Twisto Account", which allows you to shop on Czech e-shops for a whole month and pay only one sum. Food, electronics, clothes and much more at home right now and you can pay for up to 45 days. And it does not cost an extra crown!
Our service hides a number of complex functionalities that we constantly improve and automate. Online risk assessment, search for patterns of customer behavior through machine learning, identifying customers who are changing their data, or parsing incoming payments (are more common) are just a fraction of what Twisto can do today.
In addition to the Twisto account, we have other news that we plan to work on.
Credit score, API, user interface or internal dashboards. We put a great deal of emphasis on process automation and we will be glad to join NikitaEngine.com. Nikita is our developed Risk Engine, which evaluates the client's risk in one second at the time of online purchase (and also helps some Czech banks in their decision making).
In Twisto, you can also bring yourself to the following technologies.
Python and Django, REST API, PostgreSQL, Celery, Redis and much more. The technology stack is really big and we'll be happy if you decide to contribute to it too.
Twisto is a provider of instant virtual credit card for mobile purchases. It is enabled by our unique risk assessment engine “Nikita”.
Through Twisto Account we delivery 1 click payment experience. This is enabled by the smart use of credit that helps us to aggregate all of customer's online purchases into one monthly invoice. Our customers can choose to pay each month in full or in flexible installments. Our proprietary risk assessment engine Nikita evaluates hundreds of individual factors and delivers a credit decision within milliseconds. Such speed allows our customers seamless payment experience without the need for forms or website redirects. Furthermore all Nikita requires from the customer is his name, email, address and mobile phone number. With an average transaction approval rate above 80% and default well below the industry average. We are now successfully offering Nikita to banks to help them make better credit decisions in the online environment. In 2016 we are bringing Twisto into the mobile app market. The Twisto app will serve as your personal day-to-day financier redefining your transaction experience. We will deliver the power of banking into your hands... With an increasing shift to digital-online world, banks will function as “deposit boxes” where your monthly paycheques are held. Payments will be carried out by specialised payment companies that will oversee the monetary transactions.