Bringing the digital experience to the field of personal finance

Briefly in numbers
317,000+ customers
66M total assets
+1,500 points of sale
131 employees
stafi iute albania

Our vision

We envision a world where financial interactions are fast, seamless, and personalized, fitting into the rhythm of everyday life. Money flows freely like human speech. Our customers are people. Also, businesses, which means people. We enable instant Loan, Wallet, Insurance, and Investment
transactions inside our ecosystem. Iute offers personalized experience.

Our mission

To create the greatest experience in personal finance, by combining fintech with warmth of human
touch. To help our customers become financially and digitally stronger.

Tarmo Sild & Allar Niinepuu

Our values

  • The fastest: The fastest means the time spent to get it done. From the moment the customer needs something, until delivery of the end-result that the customer desired. The fastest is always measurable in time.

  • The most comfortable: Comfortable means we get things done for our customers through a pleasant and easy journey. A

    customer is not expected to take any extra step, say an extra word, bring an extra piece of paper to get something done. Being the most comfortable means making our service the easiest option available, requiring less effort from our

    customers compared to alternatives.

  • Human touch means the warmth, attention, empathy, and personal approach that we bring to our interactions and experiences with

    our customers. It represents

    qualities that go beyond technical skills or automated processes, focusing on the emotional care and

    understanding that only a human touch can provide.

iute albania - zbuloni me shume rreth nesh

Markets

We started our business activity in Albania in 2015 and since then we are the leading personal finance company.

  • Albania

  • Bulgaria

  • Moldova

  • North Macedonia

Team & management

Our core team has an extensive background in finance sector, strategic business management and customer experience.

We originate from a digital nation, and always work to bring the smoothest and well-executed solutions to you.

Tarmo Sild

Chief Executive Officer and co-founder

LinkedIn

Allar Niinepuu

Chief Commercial Officer and co-founder

LinkedIn

Kristel Kurvits

Chief Financial Officer

LinkedIn

Tarvo Rahumägi

Chief Risk Officer

LinkedIn

Mart Ambur

Chief Technology Officer

LinkedIn

Goksu Tugay

Chief Customer Experience Officer

LinkedIn
Kadi

Kadi Raudsepp

Chief Legal Officer

LinkedIn
Career at iute
We are always looking for ambitious and talented individuals to join our team.
pervojen digjitale ne fushen e financave personale - zbuloni iute albania
pervoja digjitale ne fushen e financave personale - iute albania
sjellim pervojen digjitale ne fushen e financave personale

Ema, Customer Advisor:

“By being supportive and constructive, we can move forward together. Do you have questions or need help? Contact me – I’m here to help!”