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Paul Mathieson, Founder & CEO of Amazing AI plc, is leading a revolution in consumer finance. An AQSE Stock Exchange London-listed company, it is rapidly transitioning from a traditional lender into a cutting-edge global technology platform. Amazing AI plc, backed by a 15-year track record in the U.S. market through the profitable "Mr. Amazing Loans" brand, is now combining its deep history in credit risk, compliance, and consumer behavior with Artificial Intelligence to create the world's most cutting-edge AI-driven lending ecosystem. The company's vision is simple: to harness the power of Artificial Intelligence, combined with open banking data and innovative digital asset treasury technology, to make credit faster, fairer, and more accessible worldwide.
A New Credit Era: Faster, Fairer, More Accessible, and Efficient
For Paul Mathieson, the long-term strategic idea is absolute. Over the next five years, Amazing AI plc will become the leading artificial intelligence-driven lending and collections platform for regulated credit providers in established and emerging markets. The secret to success is simple yet vital – use Artificial Intelligence to automate the whole loan lifecycle. It begins with the initial customer onboarding and underwriting process and continues through to collections and refinancing. Financial access goes tenfold when financing non-traditional populations. The combination of operational efficacy, regulatory due diligence, and customer trust enables it to achieve this.
The first result of this AI-first focus is real, direct benefits to the customer. While traditional lenders take days, Amazing AI plc can make a full assessment of creditworthiness, pass all necessary legal checks, and disburse funds within hours. This is made possible by the real-time AI engine that processes credit data, behavioral patterns, and open banking information online. Thus, the faster funds flow to the customers' accounts. The lower risk and process costs also let the company offer credit at a lower cost and ensure that the process remains truly "visible", p-values and explainable.
The Technology Edge: Building the Brain and Partnering for the Senses
Amazing AI plc's technology strategy can be phrased as "build the brain, partner for the senses." Thus, the company develops the heart of its technology – the core machine-learning models – completely in-house. These models determine the credit score, affordability, and behavioral analytics. They compete for the "brain" of the operation. To maintain its edge, the company supplements this core with external technology companies, which it acquires for their technology – also referred to as "the senses."
One example is their AI deception-detection engine. The tool uses facial recognition and micro-expression analysis to flag suspiciously high levels of stress or inconsistencies in video verifications during customer onboarding or service conversations. It will, in one case, add an essential layer of integrity to underwriting to prevent potential fraud or misrepresentation, and in the other, help evaluate the customer's true ability to pay and adjust the tone and content of an engagement. The company forecasts a 15-20% decrease in fraud and a 10-15% improvement in collections efficiency in the first year post-deployment.
A Global Framework: London to Lagos to London
Amazing AI plc builds on the strong foundation of its predecessor, Investment Evolution Credit plc. While the rebranding and expansion transitions the focus from traditional consumer lending toward a globally scalable, technology-led fintech platform, the legacy lending assets and expertise remain the cornerstone. In this case, the new and paramount focus is on technology and data infrastructure, bolstering the company's preparation for aggressive international expansion. However, the company's concerted strategy in targeting high-growth emerging markets such as Nigeria and the Philippines is clear.
In each instance, the company seeks three critical features of its targeted markets: continued rising digital lending demand from consumer bases with mobile-first preferences, regulatory frameworks that are open to licensed non-bank lenders, and local partners with existing credit infrastructure and robust compliance records. This translates into a stringent 5-phase due diligence process for each additional territory, focusing on regulatory, operational, data, cultural, and profitability aspects. The typical development path of the company involves joint ventures or licensed subsidiaries, which precede full-scale expansion.
A key part of this company's strategy is the Mauritius subsidiary, Amazing AI Services Ltd.. Mauritius serves as the company's regional operating and treasury hub for the emerging markets of Asia and Africa. This jurisdiction offers a well-regulated, fintech-friendly environment for permits and sanctions, as well as cross-border collections, local regulatory management, compliance, and structured financing for lending entities in Asia and Africa. The ability to manage multi-jurisdictional regulation and compliance from the outset is key, as is the commitment to 'compliance by design.' Systems are developed with implicit rule-sets that adjust automatically as the company enters new lending jurisdictions, ensuring auditability and maintaining operational consistency at all times.
Due to the direct-to-consumer experience in the U.S. market, where lending generates the majority of revenues, the primary opportunity for diversification lies within the company. As Amazing AI plc expands further internationally, the share of collections and the company's AI platform licensing is expected to increase significantly. The revenue target split is highly ambitious and reflective of its tech-first evolution, with 50% allocated to lending, 30% to collections, and 20% to the AI platform and licensing. It actively pursues acquisitions and joint ventures that complement
Its three pillars: Data: open banking and alternative credit datasets; Technology: AI scoring and fraud prevention tools; and Distribution: its regional platforms that accelerate the company's local market pace. Additionally, Amazing AI plc actively manages its balance sheet using a Digital Asset Treasury Policy. This conservative policy enables the company to allocate a portion of its retained earnings to exposure to digital assets, held securely through institutional custody and protected by specialized hedging strategies. The company will not operate in a manner that relies on trading gains and losses resulting from fluctuations in cryptocurrency prices. The objective is to diversify the balance sheet and act as a safeguard against the devaluation of the fiat currency it circulates. The decision to list on the AQSE Stock Exchange in London is a strategic move designed to leverage the regulated public market platform, granting direct access to sophisticated investors, enhancing institutional credibility, and establishing the company's transparent governance structure. The public benchmark is essential for efficient capital formation, enabling the company to execute more acquisitions and dual listings.
A holistic measure of success.
Within the competitive landscape, Amazing AI plc operates its business alongside existing digital lenders and neobanks, such as Tala and The Branch. Its positioning, however, is still unique: an AI-first technology architecture complemented by regulatory maturity and a global licensing footprint. The use of its advanced deception-detection and collection AI results in fewer cases of friction or fraud and a dramatic reduction in service costs, giving the company a solid differentiator.
However, the company also uses a range of performance indicators beyond traditional financial metrics to measure its success adequately. This performance indicator pool is holistic and directly connected to the company's commitment to technology and consumer impact: the AI model accuracy and bias reduction, collection efficiency uplift courtesy of AI, compliance scorecards with multiple jurisdictions, time to set up a loan and have it paid out, and User Satisfaction, making sure the company's technology truly brings value to the operator and the consumer alike and cementing its place as an industry-transformative factor in the consumer finance field globally.
