Oakam is challenging traditional doorstep lending models by using smartphone technology to make borrowing more accessible, transparent, and rewarding for the working class. Oakam’s mobile app encourages customers to become more engaged and in control of their finances by offering seamless options to make repayments, apply for top-up loans, or access educational content. To encourage the development of good financial habits, the Company has gamified the mobile experience for its customers. Through its in-app rewards programme, customers have the opportunity to lower their rates, skip a payment, earn cash-back or access other savings when they demonstrate responsible borrowing behaviour.