"As it is now, Anyday uses a number of metrics to assess the credit worthiness of a customer. We approve around 50 % of the applications, and that is also rejecting around 50 %. Anydays business model is based on customers who can pay their purchases, so we have a strict process for approval, actually, more than the legislation requires."

https://tech.eu/2022/03/29/anyday-raises-4-million-in-seed-round-offering-an-active-stance-on-ethical-payments