GF Money Scales Its Consumer Lending Business Across Europe with Wallester White-Label

When GF Money, a Finnish fintech founded in 2011, set out to expand its digital financial services across Europe, it faced a familiar challenge for fast-growing fintechs: how to scale efficiently without compromising compliance, customer experience, or speed. Operating in Finland, Sweden, Denmark, and Spain, GF Money offers consumer lending products and digital financial solutions such as virtual credit cards – all powered by a lean, technology-first approach with AI-driven credit assessment and automated processes.

As the company grew, it became clear that its existing card solution, while functional, could not support GF Money’s ambitious plans. The company needed a partner capable of deploying a unified virtual card product across multiple markets, rapidly and reliably, while enabling future expansion. Speed, scalability, and flexibility were non-negotiable.

Finding the Right Partner

After evaluating multiple providers, GF Money chose Wallester White-Label. The deciding factors were clear: a platform that could scale across all current and future markets, provide instant card issuance, integrate seamlessly with mobile wallets, and allow custom branding, all backed by strong technical support and compliance safeguards.

Wallester’s flexible, modular infrastructure aligned perfectly with GF Money’s strategy. It wasn’t just about issuing cards; it was about creating a foundation for growth, enabling the fintech to expand confidently into new territories while keeping operations lean.

Rolling Out the Solution

The onboarding experience with Wallester proved smooth and well-organised. GF Money’s team quickly integrated Wallester White-Label into their existing systems. The process emphasised collaboration, ensuring that any market-specific needs or technical customisations were addressed from the start.

Among the features GF Money found most valuable were:

• Instant virtual card issuance, allowing customers immediate access to financial products.
• Mobile wallet integration with Google Pay, improving convenience and usability.
• Custom branding, giving GF Money a unified identity across all digital touchpoints.

With these tools in place, GF Money was able to roll out a consistent, high-quality virtual card experience across markets with minimal friction — a critical factor for a digital-first, consumer-focused brand.

Tangible Results

The results of partnering with Wallester speak volumes. Since the program’s launch, GF Money has seen strong lending activity and significant market penetration, with total card volume already exceeding 27,000. This success builds the scalable foundation required for the completion of the company’s full market roadmap and future expansion.

The company successfully launched its VISA virtual card product in Finland and Denmark, with rollout completed in Sweden during 2025. Expansion into additional markets is ongoing, reinforcing GF Money’s presence in Northern Europe and laying the groundwork for future growth.

This partnership not only streamlined operations but also enhanced the customer experience. Instant issuance and mobile wallet integration improved accessibility, while custom branding reinforced trust and recognition in each market.

Looking Ahead

GF Money sees a significant opportunity in continuing to scale its digital financial services. With Wallester White-Label as a foundation, the company plans to expand virtual card availability across all operating markets, explore new digital features, and continue innovating its customer experience.

In many ways, the partnership with Wallester represents more than a technology solution — it is a strategic enabler, empowering GF Money to grow efficiently, respond quickly to market opportunities, and maintain its position as a forward-thinking fintech in Europe.

Key Metrics