Ocean Credit IFN SA is a non-bank financial institution in Romania, established in 2015. It offers consumer lending services with a focus on 100% digital loans, emphasizing quickness and accessibility[2][3]. Their services include short-term loans, and they utilize a credit scoring system to manage risk[2]. The target audience appears to be individuals seeking convenient financial solutions. The unique selling proposition is their innovative use of fintech to provide efficient lending products, making them a leader in digital lending in Romania[2][3].