Jaja Finance
“Can a licensed UK credit card operator scale a B2B2C white-label platform — operating credit cards for retailers and banks — while funding growth via securitisation and expanding into near-prime lending?”
Founded in 2015 as a mobile-first credit card fintech in the UK, Jaja initially targeted mainstream consumers with a tech-forward credit card experience. The company pivoted toward a B2B2C platform model, winning white-label credit card mandates from Bank of Ireland UK and Asda Money, transforming itself into a licensed credit card infrastructure and portfolio acquirer. Its embedded finance angle is operating branded credit cards for third-party partners (retailers, banks) while funding the receivables through warehouse securitisation facilities backed by Barclays, BNP Paribas, and Societe Generale.