Elevating Old Business Models with New Thinking

F88 is a pawnshop company that has built a positive image in lending, countering the stereotype of “black credit.” They provide high-quality services, treating borrowers as true customers. Since 2013, F88 has grown to nearly 900 stores and established a corporate culture based on core values such as integrity and innovation. F88 not only operates on a small scale but aims to create a long-term financial ecosystem by collaborating with major banks and leveraging technology like AI to optimize processes. They launched the My F88 app, gaining hundreds of thousands of users in a short period, aiming to digitize transactions. These efforts increased customer satisfaction and loyalty. F88 demonstrates that an old model can thrive if improved, benefitting customers and contributing to the development of a safe and transparent financial industry.