We are three people who would like to make it easier for indebted people to get out of debt. We believe that if you want people to change their behavior you should make it easy. PANQs aim is to remove barriers and simplify a complicated process which lead to many indebted people not getting out of their situation.  With the help of a digital tool PANQ will generate positive consequences for debtors, creditors as well as society in large.*Winner of Stockholms innovation scholarship 2017*  Hi there!PANQ consists of three dedicated people who would like to revolutionize debt collection and the way indebted people get out of debt. All of us have day jobs and PANQ is at the moment a side gig. Two of us are business majors and the third is a programmer. We are now looking to expand the team with a frontend-developer.