Initially offering consumer financing, leasing and factoring, in 1996 FIF focused on Honda motorcycle financing.

Moving forward, FIF expanded to dominate the middle segment financing market. They formulated a new direction with a clear business transformation roadmap encompassing the business expansion plan to multi financing solutions under the brand SPEKTRA for electronics and home appliances.

FIF business transformation's challenges call for a comprehensive and holistic brand transformation strategy to bring about great success.