CRED PORTER'S FIVE FORCES TEMPLATE RESEARCH B_41 6% on the consumer platform

6% on the consumer platform

Continued investment in these areas diverts resources

Revenue increased by 40% in the last fiscal year

funds £120m shareholder returns and India/North America expansion

Gen-AI BRL88m

CRED PORTER'S FIVE FORCES TEMPLATE RESEARCH B_41 6% on the consumer platformElevate Your Analysis with the Complete Porter's Five Forces Analysis CRED faces intense rivalry from BNPL and neobanks, moderate buyer power as users chase rewards, supplier leverage via data partnerships, manageable threat from new fintech entrants, and rising substitute risk from card networks and superapps; this snapshot highlights strategic pressure points and tactical levers for growth unlock the full Porter's Five Forces Analysis to get force