Who we are

KM2 Ethical Finance Ltd has been established specifically to focus on a large but difficult part of the credit market – financial losses from misappropriated credit where the “victim” is the financial institution and not a consumer.

We are a UK-based business but our people have accumulated strong analytics and collections expertise in a variety of international engagements. Our solution, which has been developed over many years, is proven to generate returns of 30% or greater where previously they were 0%.

We understand First-Party Fraud (FPF), both intentional and opportunistic, and we have the tools to reduce significantly the cost of this fraud. What is more, our tools can provide the data needed to identify, isolate and remediate the problem at all stages of the process from application and onboarding right through to account delinquency.