We build payments, lending and banking infrastructure that reaches customers and small businesses traditional finance struggles to serve.
Most people and small businesses across our markets are still outside the formal banking system, not by choice but because the infrastructure was never built for them. Our Fintech department builds that infrastructure directly — payment rails, credit scoring models and compliance tooling that make it possible to serve customers profitably at small transaction sizes.
We work directly with consumers and merchants, and license our infrastructure to banks and other fintechs who want to reach the same customers.
Infrastructure and products for consumers, merchants and financial institutions.
Mobile money, wallets and merchant payment collection built for low-connectivity environments.
Consumer and merchant credit scored using transaction data rather than traditional collateral.
Low-premium health, crop and asset cover distributed through our payments network.
Licensed infrastructure that lets other businesses embed accounts and payments into their own products.
Partnerships with cooperatives and community groups to bring first-time users into digital finance.
Know-your-customer, fraud monitoring and reporting tools built to each market's regulatory standard.
We operate under central bank licences in every market we serve, rather than grey-area arrangements.
Our infrastructure is built to stay profitable at the transaction sizes our customers actually use.
Credit and risk models are built with clear consent and audited regularly for fairness.