COMPETITIVE ADVANTAGESExperienced, professional, resilient and creative Management Team.Real time and on-line Information Technology System secured by a proven DRC (Disaster Recovery Center).Safe and Comfortable installment payment by cash or debit card at branch offices, ATM, Post Dated Check, bank transfer, e-payment, auto debit and payment points.Close and trusted relationships with business partners such as banks, authorize automotive dealers, heavy equipment and machinery vendors, insurance companies and with media partners.Continuous Education and Training to all employees at VLC (Verena Learning Centre).