Familiar formula

The Affordable Credit Challenge, run by Nesta Challenges in partnership with HM Treasury, encourages fintechs to partner with community lenders to make credit more affordable and accessibleCredit Kudos is a finalist for two solutions – one in partnership with Police Credit Union Ltd to help those in the police and armed forces, and one in partnership with Salad Money to help public sector workers, including NHS employees Public sector workers use payday lenders more often than average, and are therefore in need of greater support to access more affordable credit.

Find the risk adjusted group and put them into an S/L.  Standard sandbox method to make money.