DelfinGroup AS, together with its subsidiaries, operates as a financial services company under the Banknote and VIZIA brands in Latvia and Lithuania. The company operates through four segments: Pawn Loan, Retail of Pre-Owned Goods, Consumer Loan, and Other Operations. It offers consumer and pawn loans, and POS-loans, as well as loans for real estate development. The company also sells pawn shop items and pre-owned goods; and provides debt collection services and debt sales to external debt collection companies. It offers its products through online. The company was formerly known as SIA ExpressCredit and changed its name to DelfinGroup AS in February 2020. The company was incorporated in 2009 and is based in Riga, Latvia.