The new version of Ard App, which includes e-commerce on top of financial products and services, was introduced to the public during the 3rd Annual Investor Nation Forum 2019. The new version of the App which was developed jointly with Grape City Mongolia and operates in partnership with Most Money PSP, introduces new functions and products, is easier to use and added some unique characteristics.

Through this app, Ard Holdings’ customers can access a suite of financial products and services including online loans from Ard Credit, savings accounts at Ard Assets and Ard Life, transfer funds and pay bills. New customers can self-enroll without a branch visit by taking a photo of the national ID and a selfie, which are processed and verified by a proprietary credit scoring module based on AI. Online loans can be disbursed within minutes and they carry the lowest fees and interest rates in the market. Ard App features an automated rebate and referral program to facilitate a speedy adoption by the market. The loyalty points earned by the users enable participation in the lucky draw to win a Renault 4-wheel van.

Products and services of other subsidiaries of Ard Holdings are being integrated into the App as well. For now customers can check their balances in their brokerage accounts at Ard Securities, and connect their crypto wallets at Going forward, Ard Holdings’ management is planning to enable customers to directly trade both stocks and cryptocurrencies, and purchase Ard Insurance policies on Ard App.

Finally, one can also go shopping at ArdShop, the very first e-commerce platform in Mongolia, without ever leaving the App. Orders can be placed and payments can be made within the app. And most importantly deliveries are made by Mongol Post.

Ard Holdings’ and its partners consider that this app offers a distinct competitive advantage over similar products in the market such as self-enrollment capability, built in compliance and credit scoring modules and an integrated suite of services and products. We plan to not only continue adding new functions and features continuously but also explore expanding internationally.

Ard Financial Group is a diversified financial services holding company with an aim of increasing its shareholders’ value through investing in and developing leading financial services companies. Our investment portfolio consists of companies such as Ard Insurance, Ard Credit, Ard Securities, Ard Life, Ard Assets, Ard Management, Ard Bit, Investor Nation, TenGer Systems, Mongol Post, GoPay, Nomyn Hishig and CryptoNation. Investor Nation, after RTO with Jinst Uvs (MSE:JIV), is a MSE traded public company and a registered trademark of the Group. Ard App, Ard Digital Banking, GoPay, ArdCoin are propietory digital products based on artificial intelligence and blockchain technology.

Please, feel free to contact us with further enquiries:

HQ address: Ard Holdings, Prime Minister Amar street, Suhbaatar district, 8th horoo, Ulaanbaatar, Mongolia. w3w: powerful.gains.animates
Shangri-La branch address: 19A-C Olympic Street, Suhbaatar district, 1st horoo, Ulaanbaatar, Mongolia. w3w: animate.softest.screeches
Central Tower branch address: Suhbaatar square-2, Suhbaatar district, 8th horoo, Ulaanbaatar, Mongolia. w3w: animate.softest.screeches
Phone: 7707 8080, 7700 3322

Stronger. Together.