Credible Services A.E. Competitors

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org

Plaid is a data network that powers the tools millions of people rely on to live a healthier financial life. Plaid works with thousands of companies like Venmo, SoFi, and Betterment, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers more than 12,000 financial institutions across the US, Canada, UK and Europe. Headquartered in San Francisco, the company was founded in 2013 by Zach Perret and William Hockey.

Piraeus was founded in 1916; it is headquartered in Athens and is listed on the Athens Stock Exchange. Today it represents the leading Bank in Greece in terms of customer loans and deposits. The Bank maintains the largest distribution network in Greece and offers a vast array of financial products and services to 4.5 million customers. The Bank is committed to play a leading role in the Greek economy, actively supporting economic activity and extroversion through specialized solutions and high-level services to its customers. Piraeus Bank’s main targets are: (a) enhancement and diversification of revenue sources and operational efficiency to generate sustainable profitability, (b) expansion of lending to support the country’s economic recovery, (c) optimization of return on capital and reward to shareholders, with a growing distribution pay-out ratio in line with European banks’ average levels. Piraeus Bank's transformation is delivering tangible results, as the de-risking of its balance sheet has been completed, demonstrating once again the inherent dynamism of its banking activities. Piraeus Bank is a leading provider of banking services and credit to retail customers and corporate clients in Greece. In addition, Piraeus Bank is a leading provider of banking services to the Greek agricultural sector, offering innovative products such as contract farming and facilitating operations subsidized by the EU. The Group is also a leading adviser in capital markets, investment banking, leasing and shipping finance, as well as a market leader in brokerage services, electronic banking and a first mover in energy transition financing in Greece.