25/5/2026
To date, almost three years after the launch of the digital offering, more than 60,000 downloads and 34,000 registrations, with a registration rate of approximately 55%,confirm the success of the initiative and the growing interest in digital solutions for access to credit.
Since the start of the digitalisation process, the issuance of digital policies nationwide has reached over 44% of the total, compared with approximately 5% at the end of2023, for a value of almost €37 million in loans granted, compared with less than €0.5 million at the end of2023. In terms of average amount, digitally issued policies record a slightly higher value, equal to €1,700, compared with approximately €1,300 for paper-based policies. 47% of customers are enabled for online services, compared with approximately 17% in2023, with 35% of policies renewed online out of the total.
Across all 15 ProntoPegno-branded branches, customers show a consistent level of digital adoption, confirming the service’s ability to adapt effectively to different local contexts. The Kruso Kapital app integrates all stages of traditional pawn lending into a single digital solution, allowing customers to manage the entire financing cycle simply and securely.
Through the app, customers can request preliminary valuations by sending photographs and descriptions of the items, receive the loan directly into the current account associated with their user profile, and renew or redeem their policies. In addition, the app enables customers to access the service without visiting a branch, thanks to home collection of the items by an insured courier specialised in the transport of valuables, ensuring high standards of confidentiality and security.
Giuseppe Gentile, General Manager of Kruso Kapital S.p.A.,commented: “We are proud of the results we are achieving in the digitalisation process launched in 2023. Pawn lending is,by its very nature, an inclusive and accessible form of financing, as it is based solely on the value of the asset pledged as collateral and not on wealth or credit assessments. The introduction of the digital solution has allowed usto further strengthen this model, helping to break down geographical barriers and significantly broaden access to the service. Today, even customers who are less close to our 15 branches can use the service in a simple, fast and secure way.”
