At Alma, we assume that finance is a business enabler and our payment solutions bring great added value to merchants and customers across Europe (already live in Belgium, France, Germany, Italy, Netherlands, Spain).For merchants, our solutions of installment payment and deferred payment are excellent ways to increase customers’ loyalty and satisfaction, as well as generating up to 20% extra sales revenues without any risk, Alma handling it for them.For customers, the buying experience is enhanced (4.8/5 on Trustpilot) and Alma grants them the possibility of handling their budget easily. They pay later, Alma pays merchants right away.Even if we enable merchants to sell more, we believe that trading is sustainable only if it is well balanced. We eliminate purchase frictions, but NEVER we encourage customers to get over-indebted.