EpicCash is a Russian micro financial company that aims to serve young population, above 18 years old with stable income. The service is based fully online and thanks to scoring model allows to make a decision whether to grant a loan or not in less than 10 minutes. For returning clients, which constitute more than 50%, the decision is made in under a minute. The speed and fully-digitalized processes are the most appreciated by the young clientele, which now becomes the driving force of consumption in Russia.