NEWFINANCES s.r.o. was established on 22 May 2002. Its main goal is to continue the applied economic research initiated in the 20th Century by Ing. Pavel Ševčík. The results of this research, which mainly focused on the creation, distribution, circulation and extinction of finances (i.e. today’s “electronic money”), were the discovery of the new, unwritten financial laws of today’s credit society and the creation of a new economic discipline, namely Creditology. The aforementioned research results were first presented in Finance Magazine, this magazine being published by NEWFINANCES s.r.o. between 2003 and 2006. The research results were also subsequently presented in the book Theory of Credit Society or Why We Play Credit Games (Prague, 2012). Since 2022, NEWFINANCES s. r. o. has offered the general and professional public the opportunity to become credit literate by purchasing the book Creditology or How We Create Our Finances. What NEWFINANCES s. r. o. offers you is not just theory. In fact, NEWFINANCES s. r. o. has been practically verifying new scientific knowledge alongside its research for twenty years. How? By providing financial advice to individuals and companies interested in generating credit income in addition to their professional and capital income. When doing so, it did not stop at just consultancy for the financing of business and family ventures. Based on agreements with several banks, NEWFINANCES s. r. o. also arranged bank loans for its clients and family members. Today, twenty years later, the people who practically applied Creditology knowledge are dollar and euro millionaires.