We believe groups are at the heart of fostering a culture of...

We believe groups are at the heart of fostering a culture of responsible borrowers. While some people might be apathetic about paying their credit card bills, they're likely to be far more conscientious about their payment habits when their group's reputation is on the line. For instance, a member of a university alumni group won't want to shame their alma mater and fellow alums by giving them a mediocre group reputation.