10000179OKEO - Smart, Personalised CreditClosedCollaborative R&DInnovate UKOKEO is an FCA authorised, London-based challenger credit card company. OKEO's mission is to provide young adults with access to affordable credit and avoid financial distress. OKEO is developing innovative affordability and credit risk models that use Open Banking data and machine learning to help lend money to financially excluded young adults (aged between 22 to 36-years-old), self-employed contractors and gig economy workers at low rates. By utilising innovative credit risk modelling and lending to critical sectors of the economy, OKEO's vision is to help meet the needs of financially excluded individuals and help stimulate the UK economy.