Humm Group Limited is a consumer finance provider specializing in commercial lending, point-of-sale payment plans, and credit card solutions across Australia and New Zealand. Serving both individual and business clients, Humm Group's portfolio encompasses products such as humm90 credit cards, the Q Mastercard, and various financing options branded for the New Zealand market, including Farmers Mastercard and Flight Centre Mastercard. Its operations are organized into key divisions: Point of Sale Payment Plans, New Zealand Cards, Australia Cards, and Commercial, each addressing distinct financial needs and markets. The company facilitates everyday transactions and larger purchases with flexible, interest-free payment plans and business finance offerings for small and medium enterprises, supporting sectors from retail to commercial services. Founded in 1988 (previously known as FlexiGroup Limited), Humm Group has established a significant market footprint, managing financial risks and compliance as part of the broader financial services industry. Its dividend track record and 100% franked distributions further highlight its role as a stable participant in the Australian and New Zealand financial landscape, catering to consumers, retailers, and growing enterprises.