Grupo ARS helps to recover written-off portfolios, while allow reintegrating individual debtors into the financial system. Grupo ARS has is currently active in Ecuador, Panama, Honduras, Guatemala, and Colombia, with a regional market opportunity of nearly U$1 billion. With an Income CAGR of 35% obtained in the last 5 years, Grupo ARS is looking to consolidate its operations in South & Central America. Previously, Grupo ARS have acquired Panafinanzas, a 20-year financial company previously owned by Citibank & Scotia Bank.