Twisto, a multi-currency card with a credit option, is now set to expand into Poland in October, and Romania soon after. When questioned how this system is different to a bank-loan system, Mr Šmída told INN Poland that unlike a bank, you do not have to wait long and give out excessive amounts of personal data to receive a loan. Instead, Twisto uses a data analysis engine that generates credit scores based on spending history, phone type and address, allowing a decision to be made within seconds.