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Expenses by nature
 12 Months Ended
Dec. 31, 2019
Expenses By Nature  
18. Expenses by nature

    2019     2018     2017  
Personnel expense     14,402       16,702       17,869  
Marketing     9,119       8,291       5,916  
Depreciation and amortization     8,049       6,875       3,489  
Hosting and software licences     4,838       4,415       2,361  
Credit verification costs     2,402       1,949       1,590  
Professional services     2,099       1,281       1,389  
Premises     326       1,036       1,053  
Insurance and licenses     1,201       1,091       470  
Others     2,236       2,204       2,374  
      44,672       43,844       36,511