Empower

Cashalo is a Filipino fintech company that offers mobile-based credit services to underserved and underbanked individuals, enabling them to build financial identities and participate in the formal economy. It also provides technology and services to merchant partners, helping them access a larger consumer base and boost sales. Committed to financial inclusion, Cashalo invests in grassroots financial literacy programs across the Philippines.

Petal Card, Inc. is a credit card company focused on providing financial access to individuals without traditional credit histories, such as students and immigrants. Founded in 2015 and based in New York, the company utilizes machine learning to analyze users' digital financial records, allowing for cash flow underwriting as an alternative to conventional credit scoring. This innovative approach enables Petal to offer higher credit limits and lower rates compared to competing credit cards. The company's flagship product, the Petal Visa, is designed to promote responsible spending and credit-building, accompanied by a user-friendly digital application for managing payments. Petal aims to make credit more honest, simple, and accessible, fostering a financial environment that encourages users to succeed.