About 20 million of its users are small business, and the company will extend credit to them by way of financial partners. The move should bolster the preparedness of the company, formally known us True Software Scandinavia AB, for an initial public offering by 2022, Mamedi said. “In three years, revenue from subscriptions, advertising and fintech will be equal in size for Truecaller,” the CEO said in an interview at the company’s Stockholm offices. “In a market where very few are banked and digitalized, there’s a large potential.”

https://www.bloomberg.com/news/articles/2019-12-18/truecaller-branches-out-to-fintech-ahead-of-potential-ipo