TF Bank AB is a high-risk bank based in Sweden that specializes in consumer banking services and e-commerce solutions. With a focus on environment, sustainability, and governance (ESG), they operate through three segments: Consumer Lending, E-commerce Solutions, and Credit Cards. Their internet-based niche bank uses a proprietary IT platform with a high degree of automation, serving private individuals in Sweden, Finland, and several other countries, including Norway, Denmark, Estonia, Latvia, and Poland. With an ESG score of 31.0, TF Bank AB offers a unique approach to banking services.