FMO

SeA Bank is a banking institution that provides various services. The bank gives small businesses, large enterprises, and individuals access to a variety of banking products and services, including daily banking services, cards, including debit and credit cards, savings services, home loans, auto loans, and international transaction services. While preserving the expansion of large organizations, it places an emphasis on professional households and small and medium-sized businesses. SeA Bank was established in 1994 in Hanoi, Vietnam.

Sahyadri Farms is an integrated value chain focused on fruits and vegetables, established on January 11, 2011, by Shitij Agrawaal in Nasik, Maharashtra. This initiative is entirely managed by farmers who understand the challenges faced by small-landholding farmers. Sahyadri Farms aims to transform traditional Indian farming by procuring, processing, and marketing a variety of products, including fresh fruits like grapes and vegetables, as well as processed foods such as aseptic and frozen fruit pulps. By leveraging a network of small and marginal farmers, the company enables these producers to export their products internationally, thereby enhancing their market reach and income potential.

TechCoop is a Vietnam-based agrifintech company that empowers small and medium-sized enterprises (SMEs) and farmer clubs in the agricultural sector. It offers a comprehensive platform that integrates trade, financing, and advisory services, providing users with access to markets, finance, and technology. The company aims to support and strengthen Vietnamese SMEs and smallholder farmers within export-driven agricultural supply chains by offering expert guidance on production and export processes.

Paymob is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company focuses on building payment infrastructure technologies that enhance financial inclusion in the Middle East and Africa (MEA) region. By providing integrated payment services, Paymob helps businesses of all sizes transition from cash to electronic payments, thereby unlocking new opportunities and efficiencies. Its software aims to minimize the risks associated with fraud and theft while speeding up money circulation. By empowering underserved communities with access to a variety of electronic payment and money transfer options, Paymob plays a crucial role in bridging the financial inclusion gap in the region.

First City Monument Bank is a commercial banking institution founded in 1982 and based in Lagos, Nigeria. It serves a diverse clientele, including large corporations, small and medium enterprises, and individual customers. The bank offers a wide array of financial services, such as personal banking, business banking, and corporate banking. Its product offerings include loans, savings and current accounts, credit cards, and online banking. Additionally, First City Monument Bank provides specialized services like cash management, foreign exchange, corporate finance, and trade services. The bank's corporate finance division focuses on financial advisory, capital raising, mergers and acquisitions, and infrastructure and project finance, facilitating digital transformation in banking for its customers.

Validus Capital is a fintech company focused on providing growth financing to underserved small and medium enterprises (SMEs) in the ASEAN region, including Singapore, Indonesia, Vietnam, and Thailand. The company utilizes data and artificial intelligence to enhance the financing process, facilitating access to secured short-term and medium-term credit. Through its online marketplace, Validus employs a peer-to-peer lending model that connects SMEs with accredited investors, enabling businesses to secure financing efficiently while minimizing costs associated with financial intermediation. Validus is committed to driving inclusive economic growth by partnering with corporations to support SME ecosystems and holds regulatory licenses from authorities such as the Monetary Authority of Singapore and Indonesia's OJK.

Northern Arc Capital Limited is a non-banking financial company based in Chennai, India, that focuses on providing access to debt finance for underserved households and businesses. The company offers a diverse range of financial products, including microfinance, agricultural finance, housing finance, vehicle finance, consumer finance, small business loans, and gold loans. In addition to traditional lending, Northern Arc Capital provides fintech services, structured products, and capital market instruments. The company also engages in debt syndication and guarantee-backed lending, facilitating connections between originators to enhance the delivery of financial services. Established in 1989 and originally named IFMR Capital Finance Private Limited, it rebranded to Northern Arc Capital Limited in March 2018.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Dvara is a financial inclusion platform operating in India, comprising several businesses. Dvara KGFS establishes and supports local, geographically focused community financial services institutions, Kshetriya Gramin Financial Services (KGFS), catering to remote rural markets. Dvara Solutions, a software company based in Bengaluru, helps financial institutions enhance their customer-centricity. Dvara Research aims to ensure universal access to financial services. The platform operates a non-banking financial institution, offering agent-based and correspondent banking solutions, including money transfers, bill payments, loans, savings, and more, empowering low-income households and enabling financial well-being.

U GRO Capital is a fintech platform that specializes in providing both secured and unsecured loans to small and medium enterprises (SMEs) across eight key sectors, including Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment and Components, Auto Components, and Light Engineering. The company aims to meet the capital needs of these businesses by offering tailored financing solutions that leverage sector-specific knowledge. U GRO Capital is committed to building a comprehensive SME financing platform, supported by a fully integrated technology and analytics infrastructure to enhance its lending processes and customer service.

Sun King is a solar energy company that specializes in providing off-grid power solutions across Africa and Asia. It designs, manufactures, and distributes solar home systems, inverter systems, and portable lanterns, targeting communities with limited access to reliable electricity. Sun King offers pay-as-you-go financing options, enabling customers to acquire these products through small, affordable installments over time. The company collaborates with international distribution partners to expand its reach within the off-grid market.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Validus Capital is a fintech company focused on providing growth financing to underserved small and medium enterprises (SMEs) in the ASEAN region, including Singapore, Indonesia, Vietnam, and Thailand. The company utilizes data and artificial intelligence to enhance the financing process, facilitating access to secured short-term and medium-term credit. Through its online marketplace, Validus employs a peer-to-peer lending model that connects SMEs with accredited investors, enabling businesses to secure financing efficiently while minimizing costs associated with financial intermediation. Validus is committed to driving inclusive economic growth by partnering with corporations to support SME ecosystems and holds regulatory licenses from authorities such as the Monetary Authority of Singapore and Indonesia's OJK.

Neogrowth is a non-banking financial company based in Mumbai, Maharashtra, that specializes in providing financial solutions to small and medium-sized enterprises in India. Established in 2011 by Dhruv Khaitan and Piyush Khaitan, the company focuses on meeting the financial needs of businesses that sell goods and services directly to consumers. Neogrowth offers term working capital loans and inventory financing against future credit and debit card sales, facilitating easy access to credit for small merchants. Its clientele includes a diverse range of sectors, such as retail companies selling apparel, electronics, and handicrafts, as well as restaurants, beauty salons, hotels, gyms, and health diagnostic centers.

Northern Arc Capital Limited is a non-banking financial company based in Chennai, India, that focuses on providing access to debt finance for underserved households and businesses. The company offers a diverse range of financial products, including microfinance, agricultural finance, housing finance, vehicle finance, consumer finance, small business loans, and gold loans. In addition to traditional lending, Northern Arc Capital provides fintech services, structured products, and capital market instruments. The company also engages in debt syndication and guarantee-backed lending, facilitating connections between originators to enhance the delivery of financial services. Established in 1989 and originally named IFMR Capital Finance Private Limited, it rebranded to Northern Arc Capital Limited in March 2018.

Farmerline is an AgriTech startup focused on enhancing the livelihoods of smallholder farmers by providing them with essential information access, record-keeping services, and communication tools. The company connects farmers with agricultural businesses, government extensions, and educational programs through SMS and voice-based systems. This enables farmers to access vital agricultural information and advisory services, fostering an entrepreneurial approach to farming. Farmerline offers a range of services including input financing through organized groups, climate-smart farming education, logistics support, and access to quality fertilizers and seeds. Additionally, input dealers and traders utilize Farmerline's communication channels to engage more effectively with farmers, while farmers invest in information packages and services that can help increase their crop yields and expand their trade networks.

Sahyadri Farms is an integrated value chain focused on fruits and vegetables, established on January 11, 2011, by Shitij Agrawaal in Nasik, Maharashtra. This initiative is entirely managed by farmers who understand the challenges faced by small-landholding farmers. Sahyadri Farms aims to transform traditional Indian farming by procuring, processing, and marketing a variety of products, including fresh fruits like grapes and vegetables, as well as processed foods such as aseptic and frozen fruit pulps. By leveraging a network of small and marginal farmers, the company enables these producers to export their products internationally, thereby enhancing their market reach and income potential.

liwwa, Inc. operates a peer-to-peer lending platform that connects small and medium-sized enterprises (SMEs) in need of capital with investors seeking to diversify their portfolios. The platform allows borrowers to apply for small business loans while offering investors the opportunity to earn regular monthly returns. Liwwa conducts in-house assessments of the creditworthiness of businesses and implements a lease-to-own model that provides an interest-free return for investors. Founded in 2013 and headquartered in Amman, Jordan, liwwa has raised seed funding to expand its team and develop new product offerings, thereby enhancing its capacity to support SMEs in the MENA region and beyond.

Paymob is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company focuses on building payment infrastructure technologies that enhance financial inclusion in the Middle East and Africa (MEA) region. By providing integrated payment services, Paymob helps businesses of all sizes transition from cash to electronic payments, thereby unlocking new opportunities and efficiencies. Its software aims to minimize the risks associated with fraud and theft while speeding up money circulation. By empowering underserved communities with access to a variety of electronic payment and money transfer options, Paymob plays a crucial role in bridging the financial inclusion gap in the region.

Neogrowth is a non-banking financial company based in Mumbai, Maharashtra, that specializes in providing financial solutions to small and medium-sized enterprises in India. Established in 2011 by Dhruv Khaitan and Piyush Khaitan, the company focuses on meeting the financial needs of businesses that sell goods and services directly to consumers. Neogrowth offers term working capital loans and inventory financing against future credit and debit card sales, facilitating easy access to credit for small merchants. Its clientele includes a diverse range of sectors, such as retail companies selling apparel, electronics, and handicrafts, as well as restaurants, beauty salons, hotels, gyms, and health diagnostic centers.

Farmerline is an AgriTech startup focused on enhancing the livelihoods of smallholder farmers by providing them with essential information access, record-keeping services, and communication tools. The company connects farmers with agricultural businesses, government extensions, and educational programs through SMS and voice-based systems. This enables farmers to access vital agricultural information and advisory services, fostering an entrepreneurial approach to farming. Farmerline offers a range of services including input financing through organized groups, climate-smart farming education, logistics support, and access to quality fertilizers and seeds. Additionally, input dealers and traders utilize Farmerline's communication channels to engage more effectively with farmers, while farmers invest in information packages and services that can help increase their crop yields and expand their trade networks.

DeHaat is a technology-driven platform dedicated to providing comprehensive agricultural services to small farmers in India, aiming to enhance the efficiency of the agricultural value chain. The company connects farmers with essential resources, including seeds, fertilizers, and equipment, through a network of trained micro-entrepreneurs. Registered farmers benefit from direct access to competitive agricultural inputs and receive personalized crop advisory services and monitoring support in their local language. Additionally, DeHaat facilitates the sale of farm produce to institutional buyers, ensuring farmers can reach markets effectively. Farmers can communicate their needs for agricultural inputs or services through a toll-free number or mobile application, receiving last-mile assistance from assigned micro-entrepreneurs. By leveraging artificial intelligence-enabled technologies, DeHaat seeks to optimize supply chain and production efficiency, ultimately supporting farmers in increasing their revenue throughout the year.

REGMIFA is a private debt investment firm for micro, small, and medium-sized enterprises. They offer technical assistance in the areas of governance, business planning, risk management, internal control, product development, human resources, finance and accounting, marketing and customer relationship management, institutional development and transformation, management information systems, and others.

TeamApt is a financial technology company that develops digital banking and payment platform for financial transactions. It offers an end-to-end omnichannel digital banking service called Moneytor Digital Banking, enabling banks to offer retail, merchant, and corporate banking services through digital channels, Aptpay for automation of digital banking business operations, settlements, reconciliations, and tracks digital transformation processes with web and mobile interfaces. TeamApt was founded in 2015 and is headquartered in Lekki, Lagos, Nigeria.

Northern Arc Capital Limited is a non-banking financial company based in Chennai, India, that focuses on providing access to debt finance for underserved households and businesses. The company offers a diverse range of financial products, including microfinance, agricultural finance, housing finance, vehicle finance, consumer finance, small business loans, and gold loans. In addition to traditional lending, Northern Arc Capital provides fintech services, structured products, and capital market instruments. The company also engages in debt syndication and guarantee-backed lending, facilitating connections between originators to enhance the delivery of financial services. Established in 1989 and originally named IFMR Capital Finance Private Limited, it rebranded to Northern Arc Capital Limited in March 2018.

Paymob is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company focuses on building payment infrastructure technologies that enhance financial inclusion in the Middle East and Africa (MEA) region. By providing integrated payment services, Paymob helps businesses of all sizes transition from cash to electronic payments, thereby unlocking new opportunities and efficiencies. Its software aims to minimize the risks associated with fraud and theft while speeding up money circulation. By empowering underserved communities with access to a variety of electronic payment and money transfer options, Paymob plays a crucial role in bridging the financial inclusion gap in the region.

Lendingkart is a financial technology company based in India that focuses on providing working capital loans and financing solutions to small and medium-sized enterprises (SMEs). The company employs advanced technology and data analytics to swiftly evaluate the creditworthiness of businesses, allowing for a fast and efficient loan approval process. By addressing the financing challenges faced by SMEs—particularly those lacking collateral or a robust credit history—Lendingkart offers a user-friendly online platform where businesses can easily apply for loans and receive funding in a timely manner. This innovative approach aims to support the growth and operational needs of SMEs in a competitive market.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

DeHaat is a technology-driven platform dedicated to providing comprehensive agricultural services to small farmers in India, aiming to enhance the efficiency of the agricultural value chain. The company connects farmers with essential resources, including seeds, fertilizers, and equipment, through a network of trained micro-entrepreneurs. Registered farmers benefit from direct access to competitive agricultural inputs and receive personalized crop advisory services and monitoring support in their local language. Additionally, DeHaat facilitates the sale of farm produce to institutional buyers, ensuring farmers can reach markets effectively. Farmers can communicate their needs for agricultural inputs or services through a toll-free number or mobile application, receiving last-mile assistance from assigned micro-entrepreneurs. By leveraging artificial intelligence-enabled technologies, DeHaat seeks to optimize supply chain and production efficiency, ultimately supporting farmers in increasing their revenue throughout the year.

Samunnati is a Chennai-based company established in 2014 that focuses on enhancing the agriculture value chain through financial intermediation, market linkages, and advisory services. Its mission is to provide underserved households with access to markets, facilitating inclusive growth within the agricultural ecosystem. By leveraging social and trade capital, Samunnati offers tailored commerce and financial solutions that empower stakeholders across the agri value chain to improve productivity and create value. The company aims to support enterprises and value chains, enabling them to operate more effectively and sustainably, thereby benefiting all participants involved.

Vistaar Finance is a financial services provider established in 2010 by Brahmanand Hegde in Bengaluru, Karnataka. The company specializes in designing and delivering customized loan products tailored to the unique requirements of small businesses, focusing on specific industries such as power looms and textiles. Vistaar's platform offers non-banking financial services, aiming to attract mainstream capital and resources to effectively serve its target markets. By addressing the individual needs of these businesses in terms of loan amounts and tenors, Vistaar enables clients to enhance their economic output through strategic financial planning.

Easy Solar is a prominent energy distribution company focused on providing solar solutions to off-grid communities in West Africa, particularly in Sierra Leone and Liberia. The company offers high-quality solar products, such as solar lanterns and solar home systems, aimed at individuals with limited or no access to traditional electricity. Customers can finance their purchases through affordable payment plans, which include an initial deposit followed by weekly or monthly installments, with payment options available via cash or mobile money. Since its inception, Easy Solar has positively impacted over 400,000 beneficiaries, leveraging a vast network of agents and outlets to ensure accessibility and convenience for its clients.

Sun King is a solar energy company that specializes in providing off-grid power solutions across Africa and Asia. It designs, manufactures, and distributes solar home systems, inverter systems, and portable lanterns, targeting communities with limited access to reliable electricity. Sun King offers pay-as-you-go financing options, enabling customers to acquire these products through small, affordable installments over time. The company collaborates with international distribution partners to expand its reach within the off-grid market.

Paymob is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company focuses on building payment infrastructure technologies that enhance financial inclusion in the Middle East and Africa (MEA) region. By providing integrated payment services, Paymob helps businesses of all sizes transition from cash to electronic payments, thereby unlocking new opportunities and efficiencies. Its software aims to minimize the risks associated with fraud and theft while speeding up money circulation. By empowering underserved communities with access to a variety of electronic payment and money transfer options, Paymob plays a crucial role in bridging the financial inclusion gap in the region.

The Latin American Agribusiness Development Corporation (LAAD) is a private investment and development firm focused on advancing agribusiness projects across Latin America and the Caribbean. The company specializes in offering financing services, particularly medium and long-term loans, tailored for small and medium-sized enterprises in the agribusiness sector. By providing financial support, LAAD aims to foster economic growth, environmental sustainability, and social development within the region, adhering to sustainable standards in its operations. This approach not only enhances the viability of agribusiness ventures but also contributes to the overall improvement of local economies.

Validus Capital is a fintech company focused on providing growth financing to underserved small and medium enterprises (SMEs) in the ASEAN region, including Singapore, Indonesia, Vietnam, and Thailand. The company utilizes data and artificial intelligence to enhance the financing process, facilitating access to secured short-term and medium-term credit. Through its online marketplace, Validus employs a peer-to-peer lending model that connects SMEs with accredited investors, enabling businesses to secure financing efficiently while minimizing costs associated with financial intermediation. Validus is committed to driving inclusive economic growth by partnering with corporations to support SME ecosystems and holds regulatory licenses from authorities such as the Monetary Authority of Singapore and Indonesia's OJK.

DeHaat is a technology-driven platform dedicated to providing comprehensive agricultural services to small farmers in India, aiming to enhance the efficiency of the agricultural value chain. The company connects farmers with essential resources, including seeds, fertilizers, and equipment, through a network of trained micro-entrepreneurs. Registered farmers benefit from direct access to competitive agricultural inputs and receive personalized crop advisory services and monitoring support in their local language. Additionally, DeHaat facilitates the sale of farm produce to institutional buyers, ensuring farmers can reach markets effectively. Farmers can communicate their needs for agricultural inputs or services through a toll-free number or mobile application, receiving last-mile assistance from assigned micro-entrepreneurs. By leveraging artificial intelligence-enabled technologies, DeHaat seeks to optimize supply chain and production efficiency, ultimately supporting farmers in increasing their revenue throughout the year.

PHINMA Education Holdings, Inc. is an education service provider focused on delivering affordable education primarily to youth from low-income families. The company operates graduation colleges and employs a student-centric approach, emphasizing communal mentorship to enhance the learning experience. PHINMA Education prioritizes the development of essential elements for effective education, including well-equipped classrooms and facilities, innovative learning techniques, and qualified faculty. Through these efforts, the company aims to create a supportive environment that fosters academic success and personal growth for its students.

Xac Bank is the fourth largest bank in Mongolia with a loan portfolio of 395M USD, serving 298,000 borrowers and savers clients and deriving a yearly ROE of 22%. Xac Bank has demonstrated its ability to adapt to a fast growing and fast changing economic environment in Mongolia, on the back of a booming mining industry, and has re-focused its operations away from microfinance to SME, consumer lending and mortgages. In order to manage the associated risk, the bank has heavily invested in systems and human capabilities in order to serve the increasing need of underserved SMEs and urban as well as rural population. Xac Bank has also built an in-house mobile platform currently under upgrade in order to better serve the needs of its customers. Xac Bank is actively involved in deploying government and developmental funds to provide easier access to low cost housing and environment friendly energy to the lower layers of the Mongolian population. Finally, Xac bank is constantly providing non-financial services to the community under the form of financial literacy programs and business support to its lowest income customers via association with NGOs.

liwwa, Inc. operates a peer-to-peer lending platform that connects small and medium-sized enterprises (SMEs) in need of capital with investors seeking to diversify their portfolios. The platform allows borrowers to apply for small business loans while offering investors the opportunity to earn regular monthly returns. Liwwa conducts in-house assessments of the creditworthiness of businesses and implements a lease-to-own model that provides an interest-free return for investors. Founded in 2013 and headquartered in Amman, Jordan, liwwa has raised seed funding to expand its team and develop new product offerings, thereby enhancing its capacity to support SMEs in the MENA region and beyond.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Xac Bank is the fourth largest bank in Mongolia with a loan portfolio of 395M USD, serving 298,000 borrowers and savers clients and deriving a yearly ROE of 22%. Xac Bank has demonstrated its ability to adapt to a fast growing and fast changing economic environment in Mongolia, on the back of a booming mining industry, and has re-focused its operations away from microfinance to SME, consumer lending and mortgages. In order to manage the associated risk, the bank has heavily invested in systems and human capabilities in order to serve the increasing need of underserved SMEs and urban as well as rural population. Xac Bank has also built an in-house mobile platform currently under upgrade in order to better serve the needs of its customers. Xac Bank is actively involved in deploying government and developmental funds to provide easier access to low cost housing and environment friendly energy to the lower layers of the Mongolian population. Finally, Xac bank is constantly providing non-financial services to the community under the form of financial literacy programs and business support to its lowest income customers via association with NGOs.

CreditAccess Grameen is a microfinance company based in India that specializes in providing financial products and services primarily to women from rural and low-income households. The company offers a range of microcredit loans designed for various purposes, including income generation, family welfare, home improvement, and emergencies. In addition to lending, CreditAccess Grameen provides micro insurance services that encompass life and health insurance, as well as access to a national pension scheme. The company also emphasizes non-financial support through services such as enterprise development, financial literacy promotion, basic health and nutrition education, and training focused on women's rights and gender issues. Operating solely within India, CreditAccess Grameen serves its clients through a structure of Joint Liability Groups, fostering community support and empowerment among women.

Sahyadri Farms is an integrated value chain focused on fruits and vegetables, established on January 11, 2011, by Shitij Agrawaal in Nasik, Maharashtra. This initiative is entirely managed by farmers who understand the challenges faced by small-landholding farmers. Sahyadri Farms aims to transform traditional Indian farming by procuring, processing, and marketing a variety of products, including fresh fruits like grapes and vegetables, as well as processed foods such as aseptic and frozen fruit pulps. By leveraging a network of small and marginal farmers, the company enables these producers to export their products internationally, thereby enhancing their market reach and income potential.

Grupo Supervielle is a national private capital financial group in Argentina that specializes in providing a range of banking and financial services. Its offerings are designed for individuals, small and medium-sized enterprises, and large corporations. The group operates through various segments, including Personal and Business Banking, Corporate Banking, Bank Treasury, Consumer Finance, Insurance, and Asset Management. Grupo Supervielle also provides mutual fund services and relies on an extensive distribution network across the country to reach its diverse clientele.

Ftcash is a rapidly growing financial technology company in India that focuses on empowering micro-merchants and small businesses through digital payments and credit access. Utilizing a proprietary algorithm, ftcash assesses creditworthiness by analyzing transaction data from its payments platform, along with various other data points, including psychometric analysis. This enables the company to provide institutional financing to small and medium enterprises (SMEs) and facilitate loan recovery from daily transaction flows. The platform allows merchants to accept payments via multiple instruments, including debit and credit cards, as well as mobile wallets, without requiring additional hardware or POS devices. Since its launch in 2015, ftcash has received support from major financial entities like PayPal and MasterCard and is in the process of expanding its services globally, aiming to enhance financial inclusion for SMEs.

InCred is a financial services platform that leverages technology and data-science to make lending quick and easy. It uses technology and data-science to make lending quick, simple and hassle-free. InCred offers a broad portfolio of products that cuts across affordable home loans, personal loans, education loans and SME business loans.

Validus Capital is a fintech company focused on providing growth financing to underserved small and medium enterprises (SMEs) in the ASEAN region, including Singapore, Indonesia, Vietnam, and Thailand. The company utilizes data and artificial intelligence to enhance the financing process, facilitating access to secured short-term and medium-term credit. Through its online marketplace, Validus employs a peer-to-peer lending model that connects SMEs with accredited investors, enabling businesses to secure financing efficiently while minimizing costs associated with financial intermediation. Validus is committed to driving inclusive economic growth by partnering with corporations to support SME ecosystems and holds regulatory licenses from authorities such as the Monetary Authority of Singapore and Indonesia's OJK.

Tata Capital, established in 2007, is a leading Indian financial services firm and a subsidiary of Tata Sons Limited. It offers a wide array of financial products and services to retail, corporate, and institutional customers. These include various loan types such as personal, business, and home loans, as well as commercial finance products and credit cards. Additionally, Tata Capital provides investment advisory services, portfolio management, fixed deposits, and mutual funds. It also distributes wealth products and offers insurance services. The company is committed to customer-centric solutions, operating with transparency and ethical practices.

Satin Creditcare Network Limited is a non-banking finance company based in Gurugram, India, specializing in microfinance services. Founded in 1990, the company primarily offers collateral-free microcredit facilities to economically active women, particularly in rural and semi-urban areas where access to mainstream financial services is limited. Its services include loans for individual businesses, micro, small, and medium enterprises (MSMEs), as well as financing for solar lamps, bicycles, consumer durables, and the development of water connections and sanitation facilities. Additionally, Satin Creditcare Network has a housing finance subsidiary that caters to the affordable housing segment. The company operates on a Joint Liability Group model, facilitating community-based lending, and serves clients across 23 states and union territories in India. Through its subsidiary, Taraashna Services Limited, it also provides business correspondent services to other financial institutions, further extending its reach within the underserved market segments.

Yoco Technologies, based in Cape Town, South Africa, specializes in streamlining commerce between buyers and sellers. It offers a mobile point-of-sale solution that enables businesses to accept secure payments online and offline through a unified platform. This platform also includes lending and business software services, catering to over 300,000 small businesses annually, processing billions of dollars in transactions. Yoco aims to enhance the customer experience by reducing wait times and simplifying payment processes for both buyers and sellers.

Lendable Inc., established in 2014 and headquartered in San Francisco, specializes in facilitating debt financing for fintech firms operating in emerging and frontier markets. The company's core business involves operating an online lending platform that connects alternative lenders with institutional debt investors, thereby bridging the funding gap for high-growth fintechs in Africa and other developing regions. Lendable aims to expand financial access by supporting impact investing as a competitive asset class, targeting one hundred million underserved borrowers worldwide.

liwwa, Inc. operates a peer-to-peer lending platform that connects small and medium-sized enterprises (SMEs) in need of capital with investors seeking to diversify their portfolios. The platform allows borrowers to apply for small business loans while offering investors the opportunity to earn regular monthly returns. Liwwa conducts in-house assessments of the creditworthiness of businesses and implements a lease-to-own model that provides an interest-free return for investors. Founded in 2013 and headquartered in Amman, Jordan, liwwa has raised seed funding to expand its team and develop new product offerings, thereby enhancing its capacity to support SMEs in the MENA region and beyond.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

AU Small Finance Bank Limited is a financial institution based in Jaipur, India, that provides a wide array of banking services tailored to meet the needs of retail and small to medium enterprises (SMEs). The bank operates through several segments, including Treasury, Retail Banking, Wholesale Banking, and other operations. It offers services such as savings and current accounts, fixed and recurring deposits, insurance products, and various loan options including vehicle, home, personal, and agri-SME loans. Additionally, the bank provides digital banking solutions, trade finance, and government banking services to various public sector undertakings. As of its last reporting, AU Small Finance Bank had an extensive network of branches, banking outlets, and ATMs across India. Established in 1996 and initially known as AU Financiers (India) Limited, the company rebranded to its current name in May 2017 to reflect its focus on expanding its banking services.

Ujjivan Financial Services Limited, established in 2004, is a leading Indian financial services provider, headquartered in Bengaluru. It specializes in serving the economically active poor, offering a wide range of micro and rural finance products, housing, personal, vehicle, and institutional loans, along with group and individual insurance. As of 2020, it operated through 575 branches. In 2016, Ujjivan Small Finance Bank Limited was launched as a subsidiary, providing banking services including savings and loan products, mobile banking, debit cards, and insurance to unserved and underserved segments, with 575 banking outlets and 475 ATMs. Both entities are committed to promoting financial inclusion in India.

Family Bank is a commercial bank based in Kenya, operating since May 2007 and regulated by the Central Bank of Kenya. With a growing customer base exceeding 1.7 million, it has established a network of 93 branches across the country. The bank primarily focuses on providing financial services to underserved segments of the market, including small-scale farmers, salaried employees, micro, small, and medium-sized enterprises, as well as youth and women. Additionally, it serves larger corporate clients to enhance its deposit base. Family Bank is noted for being the first in Kenya to implement paperless banking through smart card technology, reflecting its commitment to innovation in financial services.

Shriram Transport Finance Company Limited, established in 1979, is India's leading provider of commercial vehicle finance, specializing in the financing of pre-owned trucks for small truck owners. The company commands a significant market presence, holding approximately 25% market share in the pre-owned truck segment and around 5-6% in new truck financing. With a widespread network of 620 branches and 515 rural centers, Shriram Transport also offers a diverse range of financing options, including tractors, small commercial vehicles, three-wheelers, passenger commercial vehicles, and construction equipment. In addition to vehicle financing, the company is involved in loan origination, valuation, and collection services, solidifying its role as an essential player in the asset financing landscape.

Shriram Transport Finance Company Limited, established in 1979, is India's leading provider of commercial vehicle finance, specializing in the financing of pre-owned trucks for small truck owners. The company commands a significant market presence, holding approximately 25% market share in the pre-owned truck segment and around 5-6% in new truck financing. With a widespread network of 620 branches and 515 rural centers, Shriram Transport also offers a diverse range of financing options, including tractors, small commercial vehicles, three-wheelers, passenger commercial vehicles, and construction equipment. In addition to vehicle financing, the company is involved in loan origination, valuation, and collection services, solidifying its role as an essential player in the asset financing landscape.

Real People is a financial institution that offers credit to small enterprises and individuals who otherwise have limited access to financial services in South Africa and other countries in the region. Real People is one of South Africa’s largest non-banking independent financial services provider that has been operating in Southern Africa for more than 15 years. Real People is a consumer finance and mortgage financing institution that targets customers from previously disadvantaged communities, with low to moderate household earnings who would traditionally not qualify for credit from the banking institutions in South Africa.

Dvara is a financial inclusion platform operating in India, comprising several businesses. Dvara KGFS establishes and supports local, geographically focused community financial services institutions, Kshetriya Gramin Financial Services (KGFS), catering to remote rural markets. Dvara Solutions, a software company based in Bengaluru, helps financial institutions enhance their customer-centricity. Dvara Research aims to ensure universal access to financial services. The platform operates a non-banking financial institution, offering agent-based and correspondent banking solutions, including money transfers, bill payments, loans, savings, and more, empowering low-income households and enabling financial well-being.