Access Finance Partners with The Bank of Missouri and Taktile to Expand Credit Access with Juzt Credit Card
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SAN FRANCISCO — Access Finance, a financial technology company revolutionizing credit accessibility, announced today the introduction of the Juzt Credit Card designed to increase access to credit for consumers with poor or no credit history and to provide a pathway to building credit while lowering the costs for these at-risk consumers. The card will be issued by The Bank of Missouri and powered by technology from Taktile, a next generation risk decision engine.
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'Americans are experiencing a quiet credit crisis – many cannot access a credit card due to poor or non-existent credit history, obtaining credit is growing more difficult and credit card costs are on the rise,' said Ivan Arnaudov, CEO at Access Finance . 'The Juzt Credit Card was created for these consumers to provide access to credit and digital tools that enable them to improve their overall financial health.'
The Juzt Credit Card is an unsecured, digital credit card designed specifically for consumers with credit scores below 600 or just starting their credit journey. There is no security deposit required The Juzt Credit Card's fully digital process enables consumers to apply, receive approval and begin using the card and its tools instantly. Backed by Mastercard, the Juzt Credit Card is compatible with Apple Pay and Google Pay and can be used globally.
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Access Finance uses alternative data, machine learning systems, and dynamic behavioral scoring to evaluate applicants. Individuals who maintain a low debt-to-income ratio (DTI) and who consistently make timely payments on existing obligations (such as utility bills, rent, or other loans) are more likely to be approved. Initial credit limits may start customers with low, manageable credit limits – as low as $400 to keep them on a path to success.
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The Juzt Credit Card provides an easy-to-use dashboard with tools for monitoring credit scores, tracking purchases and payments, and learning insights into personal spending activity. Consumers are encouraged to use the Juzt card for small purchases that are easy to pay off, building credit along the way while developing good personal finance habits. The Juzt app reports customers' credit history to a leading credit bureau which can help establish positive credit history based on responsible use of the Juzt Credit Card.
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Taktile empowers risk experts to build, monitor, and optimize automated risk decisions across the entire customer lifecycle – from onboarding and credit underwriting to fraud and compliance transaction monitoring. Taktile's risk decisioning platform is recognized as category leader in G2's Spring 2025 Report for Decision Management Platforms and is trusted by leading fintechs, banks, and insurers across the globe. The company is headquartered in New York City and has offices in Berlin and London. For more information visit www.taktile.com.
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The Bank of Missouri offers a variety of personal and business deposit and lending solutions including checking accounts, savings accounts, health savings accounts (HSAs), mortgages, auto loans, business loans, SBA loans and much more. Bank online or on your phone and visit one of our 28 convenient locations across Missouri.
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With more than 130 years' experience providing community-focused financial security, The Bank of Missouri stands strong as an independent community bank. Big enough to accommodate nearly any financial need yet focused on providing every customer the personal treatment they deserve, we help our customers Live Well, Bank Well.
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The Juzt Credit Card is backed by Access Finance, a financial technology company whose goal is to lead the digital transformation within the financial sector while revolutionizing credit accessibility and transitioning customers from the subprime to the prime segment.
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Founded in 2013, Access Finance is bringing its proven, innovative technology to the American consumers through partnership with US financial institutions, like The Bank of Missouri. With operations in the US, Europe and Mexico, Access Finance has grown to serve more than 200,000 credit card customers and dispersed roughly $320,000,000.
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