Multitude SE (formerly Ferratum) is a European lender headquartered in Helsinki, Finland.

Multitude was founded in 2005 by Jorma Jokela, who has been its CEO since the company's foundation.

[3] In June 2020, Multitude settled a claim over alleged breaches of the lender responsibility principles in New Zealand, distributing a total of $88,173 in borrowing costs across 46 customers.

[4] In 2021, the Australian Securities and Investments Commission said that Ferratum Australia had charged illegal fees and overcharged some customers who paid their loan early.

[5][6] On April 4, 2023, Ferratum Australia's shareholders voted to enter liquidation.