{"id":1005,"date":"2023-06-02T13:06:39","date_gmt":"2026-05-11T15:46:45","guid":{"rendered":"https:\/\/younited.com\/partners\/reference\/how-based-on-the-credit-profile-of-its-customers-younited-helped-telefonica-offer-a-credit-solution-more-adapted-to-their-needs\/"},"modified":"2026-05-11T16:02:50","modified_gmt":"2026-05-11T16:02:50","slug":"how-based-on-the-credit-profile-of-its-customers-younited-helped-telefonica-offer-a-credit-solution-more-adapted-to-their-needs","status":"publish","type":"reference","link":"https:\/\/younited.com\/partners\/en\/references\/how-based-on-the-credit-profile-of-its-customers-younited-helped-telefonica-offer-a-credit-solution-more-adapted-to-their-needs\/","title":{"rendered":"How Younited helped Telef\u00f3nica offer a tailored credit solution based on customer credit profiles"},"content":{"rendered":"<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><h2 class=\"wp-block-heading\">About Telef\u00f3nica<\/h2>\r\n<p>Telefonica is currently the largest Telecom company in Spain, with Movistar as its biggest brand, providing a wide range of services, including fixed and mobile telephony, broadband, and subscription television, primarily operating in Europe and Latin America.<\/p>\r\n<\/div>\r\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><h2 class=\"wp-block-heading\">About Movistar<\/h2>\r\n<p>Launched in 2019 as part of Telef\u00f3nica Espa\u00f1a\u2019s diversification strategy, Movistar Money offers consumer loans available to both Movistar customers and non-customers. Applicants can complete the process 100% online and access loans from \u20ac1,000 to \u20ac10,000 in under 48 hours, with rates tailored to each customer&rsquo;s credit profile.<\/p>\r\n<\/div>\r\n<\/div>\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-media-text has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center has-media-on-the-right\"><div class=\"wp-block-media-text__content\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-06b7c649 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0f07363 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">The challenge<\/h2>\n\n<p>Telef\u00f3nica saw an opportunity to boost customer approval levels with Younited by leveraging its fully digital customer journey. Additionally, Telef\u00f3nica aimed to implement a solution that would allow it to offer a wider range of credit options with longer maturities and higher amounts.<\/p>\n<\/div>\n\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1160\" height=\"870\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1.jpg\" alt=\"insight wp 3\" class=\"wp-image-848 size-media-text-2x\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1.jpg 1160w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1-1024x768.jpg 1024w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1-768x576.jpg 768w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1-149x112.jpg 149w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1-231x173.jpg 231w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1-459x344.jpg 459w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/insight-wp-3-1-584x438.jpg 584w\" sizes=\"auto, (max-width: 1160px) 100vw, 1160px\" \/><\/figure><\/div>\n<\/div>\n\n<blockquote class=\"block block-quote align wp-block-yuc-quote\">\n\t<p class=\"block-quote__text\">Through a 100% digital process, users, both Movistar customers and non-customers, can apply thanks to Younited for a loan to finance, for example, the purchase of a car or the renovation of their home, and get an instant response<\/p>\n\t<footer class=\"block-quote__author\">\n\t\t\t\t<figure class=\"block-quote__image-wrapper\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/adobestock-314743530-editorial-use-only-scaled-1-150x150.jpeg\" class=\"block-quote__image\" alt=\"\" data-location=\"\" aria-hidden=\"true\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/adobestock-314743530-editorial-use-only-scaled-1-150x150.jpeg 150w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/adobestock-314743530-editorial-use-only-scaled-1-375x375.jpeg 375w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/adobestock-314743530-editorial-use-only-scaled-1-750x750.jpeg 750w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\t\t<\/figure>\n\t\t\n\t\t<p class=\"block-quote__author-infos\">\n\t\t\t<cite class=\"block-quote__name\">Jose Antonio Urosa<\/cite><span class=\"block-quote__role\">Commercial Director Telefonica Consumer Finance<\/span>\t\t<\/p>\n\t<\/footer>\n<\/blockquote>\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-stats wp-pattern-stats-3-columns is-style-dark has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-166a6155 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\">Our partnership in a few numbers<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-blockparty-key-figure\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"17\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\">17<\/span><span class=\"wp-block-blockparty-key-figure__suffix\"><\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\">financed since launch<\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-blockparty-key-figure\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\">+<\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"3\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\">3<\/span><span class=\"wp-block-blockparty-key-figure__suffix\"><\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\">new clients since launch<\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-blockparty-key-figure\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"4.9\" data-decimal-separator=\",\" data-minimum-fraction-digits=\"0\">4.9<\/span><span class=\"wp-block-blockparty-key-figure__suffix\"><\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\">customer satisfaction rating<\/p><\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><h2 class=\"wp-block-heading\">The solution<\/h2>\r\n<p>Younited provides its technology platform, while Telef\u00f3nica retains the flexibility to customize the customer journey and client communications to suit its needs.<\/p>\r\n<p>The partnership has two main objectives:<\/p>\r\n<\/div>\r\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list is-style-big\">\n<li>Younited serves as a secondary option for clients declined by Movistar Money.<\/li>\n\n\n\n<li>Younited offers loans to customers whom Movistar Money cannot fund, including non-Telef\u00f3nica Telco clients, loan requests between \u20ac10,000 and \u20ac15,000, and NIE clients (foreign nationals).<\/li>\n<\/ul>\n\r\n<p>Through this partnership, Telef\u00f3nica can now offer credit solutions to its entire customer base.<\/p>\r\n<\/div>\r\n<\/div>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button gtag-demo gtag-demo-popup\"><a class=\"wp-block-button__link wp-element-button \" href=\"https:\/\/younited.com\/partners\/en\/request-a-demo-credit\/\">Request a demo<\/a><\/div><\/div>\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-values wp-pattern--3-col has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-2cbdae63 wp-block-group-is-layout-constrained\"><h2 class=\"wp-block-heading has-text-align-center\">Benefits for Telefonica<\/h2><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8a04ae21 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-dark-5-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4ae4cf0b wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--xl);padding-right:var(--wp--preset--spacing--xl);padding-bottom:var(--wp--preset--spacing--xl);padding-left:var(--wp--preset--spacing--xl)\"><div class=\"wp-block-yuc-illustrations-cdn\">\n\t\t\t<img\n\t\t\tclass=\"wp-block-yuc-illustrations-cdn__icon\"\n\t\t\tsrc=\"https:\/\/designassets.younited.com\/img\/illustrations\/hand_easy_fast.svg\"\n\t\t\talt=\"hand_easy_fast\"\n\t\t\twidth=\"80\"\n\t\t\theight=\"80\"\n\t\t\t\t\t\tstyle=\"width:80px;height:80px\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\tdecoding=\"async\"\n\t\t\/>\n\t<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ded23ff6 wp-block-group-is-layout-constrained\"><p>Telef\u00f3nica has integrated an Open Banking-based process to enhance its credit offering<\/p><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-dark-5-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4ae4cf0b wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--xl);padding-right:var(--wp--preset--spacing--xl);padding-bottom:var(--wp--preset--spacing--xl);padding-left:var(--wp--preset--spacing--xl)\"><div class=\"wp-block-yuc-illustrations-cdn\">\n\t\t\t<img\n\t\t\tclass=\"wp-block-yuc-illustrations-cdn__icon\"\n\t\t\tsrc=\"https:\/\/designassets.younited.com\/img\/illustrations\/hand_easy_fast.svg\"\n\t\t\talt=\"hand_easy_fast\"\n\t\t\twidth=\"80\"\n\t\t\theight=\"80\"\n\t\t\t\t\t\tstyle=\"width:80px;height:80px\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\tdecoding=\"async\"\n\t\t\/>\n\t<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ded23ff6 wp-block-group-is-layout-constrained\"><p>Approval rates have increased, resulting in a higher yield on demand<\/p><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-dark-5-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4ae4cf0b wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--xl);padding-right:var(--wp--preset--spacing--xl);padding-bottom:var(--wp--preset--spacing--xl);padding-left:var(--wp--preset--spacing--xl)\"><div class=\"wp-block-yuc-illustrations-cdn\">\n\t\t\t<img\n\t\t\tclass=\"wp-block-yuc-illustrations-cdn__icon\"\n\t\t\tsrc=\"https:\/\/designassets.younited.com\/img\/illustrations\/hand_easy_fast.svg\"\n\t\t\talt=\"hand_easy_fast\"\n\t\t\twidth=\"80\"\n\t\t\theight=\"80\"\n\t\t\t\t\t\tstyle=\"width:80px;height:80px\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\tdecoding=\"async\"\n\t\t\/>\n\t<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ded23ff6 wp-block-group-is-layout-constrained\"><p>By offering a broader range of credit amounts, Telef\u00f3nica has boosted demand<\/p><\/div>\n<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-media-text has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact.jpg\" alt=\"visuel contact\" class=\"wp-image-46 size-media-text-2x\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-06b7c649 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0f07363 wp-block-group-is-layout-constrained\">\n\n<h2 class=\"wp-block-heading\">You would like to know more about Younited ?<\/h2>\n\n\n<p>Our experts help you shape the best payment experience.<\/p>\n<\/div>\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/younited.com\/partners\/en\/contact-us\/\" >Contact us<\/a><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"author":0,"featured_media":847,"template":"","meta":{"_acf_changed":false,"content-type":""},"solution":[536],"reference_type":[508],"business_sector":[425],"class_list":["post-1005","reference","type-reference","status-publish","has-post-thumbnail","hentry","solution-credit","reference_type-success-story","business_sector-bank"],"acf":[],"yoast_head":"<title>How based on the credit profile of its customers, Younited helped Telefonica offer a credit solution more adapted to their needs<\/title>\n<meta name=\"description\" content=\"How based on the credit profile of its customers, Younited helped Telefonica offer a credit solution more adapted to their needs\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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