Sorry mate, but you couldn't be further from the truth here, you are getting vision mixed with reality. Financial wellness is a catchphrase that sounds good in a presentation. But borrowers don't care about financial wellness, they care about rate and repayment. If you have two identical products and one comes with wellness at that point it can sway a decision. I am not sure if you have had a look at the app, but it charges you per transaction in it's twice monthly clearances and it's benefits are questionable, given they come at a premium. For me it is nothing more than a catchphrase and at this point questionable in its effectiveness.
Wisr's uniqueness and approach to lending is what is driving this company and how they arrive at their rate for risk.
WZR Charts, page-3262
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