As part of its long-term strategy to deliver inclusive, technology-driven financial services globally, MFG is proud to announce that its subsidiary, Access Finance Inc., has officially launched Juzt Card in the United States – a fully digital, unsecured credit card designed to expand access to credit for underserved consumers.
The Juzt Credit Card is issued by The Bank of Missouri and powered by Taktile, a next-generation platform for automated credit risk decisioning. The product is backed by Mastercard and compatible with both Apple Pay and Google Pay, offering users global acceptance and seamless digital integration.
“Millions of Americans face barriers to accessing credit simply because they have little or no credit history,” said Ivan Arnaudov, CEO of Access Finance Inc.
“Wit
h Juzt, we aim to break that cycle by combining responsible lending, behavioral data, and modern technology to support users on their financial journey.”
Empowering Financial Inclusion Through Innovation
Juzt Card is tailored for individuals with credit scores below 600 or those new to credit. There is no security deposit required, and the entire application and onboarding process takes place digitally, enabling near-instant approval and activation.
Access Finance’s proprietary underwriting model leverages alternative data, AI, and machine learning to evaluate creditworthiness beyond traditional metrics. Consumers demonstrating responsible financial behavior – such as low debt-to-income ratios and consistent on-time payments – are more likely to be approved. Initial credit limits start at $400, with opportunities to increase based on usage and repayment history.
The accompanying Juzt mobile app features a user-friendly dashboard where cardholders can monitor their credit scores, track expenses, and gain insights into personal financial habits. Positive usage data is reported to a major credit bureau, helping consumers build or improve their credit profile over time.
A Strategic Milestone for MFG
The U.S. launch of Juzt marks a significant milestone in MFG’s international expansion. With active operations in Europe and Latin America, MFG continues to deliver on its mission to empower financially underserved communities with accessible, transparent, and tech-forward financial products.
“Juzt is more than a credit card – it’s a gateway to financial inclusion,” said Arnaudov.
“We’re proud that MFG’s innovation, regulatory expertise, and partner ecosystem have enabled us to bring this solution to the world’s most competitive market.”
Global Partnerships Enabling Local Impact
The successful launch is the result of strategic partnerships with:
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The Bank of Missouri, a trusted banking institution with over 130 years of history and national licensing across the U.S.
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Taktile, providing the AI-powered risk decision engine.
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i2c Inc., the global payment processing platform supporting card issuance and transaction infrastructure.
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Mastercard, offering world-class security and open banking tools to support approval decisions and user safety.
To learn more about Juzt Card, visit www.juztcard.com
About Access Finance
Juzt Card is backed by Access Finance, a financial technology company - part of MFG, which goal is to lead the digital transformation within the financial sector while revolutionizing credit accessibility and transitioning customers from the subprime to the prime segment.
Founded in 2013, Access Finance is bringing its proven, innovative technology to the American consumers through partnership with US financial institutions. With operations in the US, Europe and Mexico, Access Finance has grown to serve more than 200,000 credit card customers and dispersed roughly $320,000,000.
About MFG
MFG is a group of fintech and insuretech companies whose mission is to provide easy access to finance and insurance for everyone regardless of their current social and financial condition. The group is active in seven European countries: Bulgaria, Romania, Ukraine, Poland, Northern Macedonia, Spain and Croatia, and two American market – Mexico and USA. Some of the businesses date as far back as 2005. The planned large-scale geo-expansion includes key international markets such as Germany, India, and Africa.
Through the companies in the group MFG is the responsible employer of more than 8,300 people in over 450 offices in the countries of operations. We base our relationships with our talents, partners and clients on our values humanity, innovation and responsibility.
The group's portfolio includes companies and brands such as Easy Credit, iCredit, Kredis, Biala Karta (White Card), AXI Card, Juzt Card, Viva Credit, Fintrade, ACOD, the P2P lending platform iuvo, the investment company MFG Invest that is traded on the beam market of the Bulgarian Stock Exchange under MFG, Instinct insurance company, etc.
