International Finance Corporation

Home First Finance Company is an affordable housing finance company focused on providing housing loans to first-time buyers of affordable homes, specifically those priced between Rs. 5 lakhs and Rs. 30 lakhs. The company aims to serve customers who face challenges in obtaining loans from traditional banks and housing finance companies. In addition to housing loans, Home First Finance also offers loans for purchasing commercial properties, loans against property, and construction finance. Recognizing the complexities of the home buying process, the company assists consumers by addressing their concerns related to financing, eligibility, documentation, and ownership, guiding them through their journey towards homeownership.

Zepz is an online money transfer service that enables individuals to send money to friends and family living abroad through computers, smartphones, or tablets. It provides a convenient and cost-effective alternative to traditional money transfer companies, which often charge high fees. Zepz allows users to send funds to over 140 destinations worldwide, including Europe, Asia, Africa, Australia, and the Americas. Recipients can receive money as bank deposits, cash pickups, Mobile Money, or mobile airtime top-ups. The platform is designed to facilitate secure international transfers, utilizing technology that allows customers to manage their funds efficiently, with lower processing fees compared to conventional methods. Zepz operates in 50 countries, aiming to simplify the process of remittance for its users.

Salmon is a financial services company that operates a platform designed to integrate technology with the financial industry. The company aims to enhance customer experiences by offering inclusive services that cater to a diverse clientele, from novices to experts. Through a blend of innovative technology, thoughtful product design, robust security measures, and data analytics, Salmon focuses on empowering clients with greater financial freedom. The company's mission is to simplify financial management, transforming it from a daunting task into a more accessible and user-friendly experience. By prioritizing customer care, Salmon seeks to alleviate the common fears associated with financial services, enabling individuals to concentrate on what truly matters in their lives. With a commitment to creating jobs and providing easy access to finance for millions in the Philippines, Salmon is dedicated to reshaping the financial landscape for its customers.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

Vayana Network is a financing network that facilitates electronic trade transactions between businesses and their trade partners. It enables companies to efficiently manage their receivables and payables by connecting them with banks and financial institutions for financing options. Through its online lending platform, Vayana Network provides working capital finance specifically designed for small and medium enterprises, allowing them to access short-term business loans to support growth. The company also offers a Commercial Card solution in collaboration with MasterCard and various banks, enhancing payable financing options for its clients. By streamlining the trade financing process, Vayana Network aims to empower businesses in managing their financial operations more effectively.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in modern banking solutions tailored for retail customers and small to medium enterprises. The bank focuses on delivering innovative digital banking services that address the growing demand for accessible financial products in Uzbekistan. Its offerings include online money transfers, various types of loans, deposits, installments, bank cards, and bill payment services, all designed to enhance the digital customer experience. By leveraging the expertise of its parent company in digital transformation, TBC Bank Uzbekistan aims to provide a comprehensive range of financial services that can be conveniently accessed through digital channels.

Suning Finance is the financial services division of Suning Commerce Group Co., Ltd., a prominent Chinese electronics retailer. It focuses on providing a range of financial products and services tailored to meet the needs of consumers and businesses. By leveraging its extensive retail network and customer base, Suning Finance aims to enhance financial accessibility and streamline financial transactions for its users. The unit plays a critical role in integrating financial services with retail operations, promoting a seamless experience for customers. Through innovative offerings, Suning Finance seeks to strengthen its position in the competitive financial services market in China.

KB J Capital provides financial services including personal loans, mobile loans, and car registration loans.

Salmon is a financial services company that operates a platform designed to integrate technology with the financial industry. The company aims to enhance customer experiences by offering inclusive services that cater to a diverse clientele, from novices to experts. Through a blend of innovative technology, thoughtful product design, robust security measures, and data analytics, Salmon focuses on empowering clients with greater financial freedom. The company's mission is to simplify financial management, transforming it from a daunting task into a more accessible and user-friendly experience. By prioritizing customer care, Salmon seeks to alleviate the common fears associated with financial services, enabling individuals to concentrate on what truly matters in their lives. With a commitment to creating jobs and providing easy access to finance for millions in the Philippines, Salmon is dedicated to reshaping the financial landscape for its customers.

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.

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.

Midas is Turkey’s largest retail investing app, offering Turkish and U.S. equities at low commissions. We provide the most seamless user experience for investing in equities.

Bold is a company that operates an application designed to facilitate payments and manage sales reports and transactions, specifically targeting small and medium-sized businesses (SMBs) in Colombia. Founded in 2019 and based in Bogotá, Colombia, Bold aims to simplify financial processes for its clients. In addition to its core financial services, Bold Media, Inc., which was established in 2015 and is based in San Francisco, California, provides an internal blog platform that helps organizations share knowledge and ideas efficiently.

Togocom is a telecommunications provider that caters to both individual consumers and business clients. Its offerings include high-speed internet access alongside a suite of tailored services such as messaging, remote site interconnections, integrated service hosting, infrastructure rental for telephony needs, signal transport, and mobile banking solutions.

Drip Capital Inc. is a financial technology company that specializes in providing credit solutions to small and medium enterprises (SMEs) engaged in cross-border trade, particularly in developing markets. Founded in 2014 and headquartered in Palo Alto, California, with an additional office in Mumbai, India, Drip Capital offers a range of trade finance products, including invoice factoring, export finance, and receivables factoring. The company utilizes an automated risk assessment model to facilitate quick and hassle-free access to financing, thus streamlining the borrowing process for its clients. Drip Capital's platform leverages multiple data sources for underwriting transactions, enabling SMEs to obtain collateral-free loans and lines of credit to support their working capital needs. The team comprises experienced professionals from prestigious institutions, and the company is supported by notable investors from Silicon Valley.

Amartha is a microfinance technology platform dedicated to fostering economic growth at the grassroots level by facilitating connections between micro and small to medium-sized enterprises (SMEs) and investors. The platform enables entrepreneurs, particularly in rural areas, to access microfinance loans through user-friendly mobile applications and websites. By bridging the gap between potential lenders and borrowers, Amartha aims to create equal opportunities for prosperity, thereby contributing to the overall development of local economies.

Thai Credit Retail Bank Public Company Limited, established in 2004 by Wanit Chaiyawan in Krung Thep, Thailand, operates as a commercial bank dedicated to sustainable banking practices. The bank emphasizes responsibility and sustainability across environmental, social, and governance (ESG) dimensions. It provides a range of financial services, primarily focusing on micro and small to medium-sized enterprises (MSMEs) through business loans and microfinance solutions. Additionally, Thai Credit Retail Bank offers retail loans, including housing loans, personal loans, and gold loans, alongside its e-Wallet services managed by a subsidiary. The bank aims for sustainable growth, balancing business objectives with social and environmental responsibilities, thereby contributing to the long-term development of both the economy and society.

Veritas Finance Private Limited is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. Founded with the mission to provide inclusive financial solutions, Veritas focuses on delivering various loan products tailored to meet the working capital and credit requirements of these businesses. Its offerings encompass short-term loans for immediate working capital needs, medium-term loans for business expansion, and long-term loans for asset creation. The company is managed by a team of experienced professionals in the financial services industry, committed to facilitating access to credit and positively impacting the lives of millions of Indians engaged in informal activities that contribute significantly to the nation's economy.

M-Kopa is a company that offers connected asset financing solutions aimed at underbanked customers. By leveraging a platform that integrates digital micropayments and Internet of Things (IoT) technology, M-Kopa facilitates access to essential products and services, including solar lighting, televisions, refrigerators, smartphones, and financial services. The company's innovative approach allows individuals without credit histories or substantial assets to secure financing, thereby improving their quality of life through affordable and accessible everyday essentials.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in modern banking solutions tailored for retail customers and small to medium enterprises. The bank focuses on delivering innovative digital banking services that address the growing demand for accessible financial products in Uzbekistan. Its offerings include online money transfers, various types of loans, deposits, installments, bank cards, and bill payment services, all designed to enhance the digital customer experience. By leveraging the expertise of its parent company in digital transformation, TBC Bank Uzbekistan aims to provide a comprehensive range of financial services that can be conveniently accessed through digital channels.

Roojai is a managing general agent (MGA) that develops, prices, and manages a range of retail insurance products, primarily focusing on motor and health insurance. Established in Thailand in 2016 and expanding to Indonesia in 2022, Roojai operates an online insurance platform designed to enhance access to insurance in a transparent and cost-effective manner. The platform utilizes technology to lower operational costs while providing customers with clear information throughout the claims and repair process. It allows users to obtain personalized quotes, customize coverage options, file claims digitally, and manage payments seamlessly, all contributing to an improved insurance experience.

Mintifi is an online lending platform in India that aims to empower small and medium businesses through accessible financing solutions. Focused on enhancing the last-mile distribution network, Mintifi offers a range of flexible and affordable loan options designed to simplify the purchase financing experience for businesses. By leveraging technology and a corporate distribution network, the platform enables companies to efficiently manage their supply chain operations and obtain necessary funds to support their activities. Through partnerships with various digital channels, including WhatsApp, Mintifi ensures that its services are easily accessible, facilitating quicker and more straightforward access to financing for SMBs.

Nubank is a prominent digital bank revolutionizing finance with its customer-centric approach. It provides a variety of services, including credit cards, personal loans, and digital payments, all accessible through a simple mobile app. Known for transparency, ease of use, and low fees, Nubank aims to empower users with innovative solutions for better financial management.

Home First Finance Company is an affordable housing finance company focused on providing housing loans to first-time buyers of affordable homes, specifically those priced between Rs. 5 lakhs and Rs. 30 lakhs. The company aims to serve customers who face challenges in obtaining loans from traditional banks and housing finance companies. In addition to housing loans, Home First Finance also offers loans for purchasing commercial properties, loans against property, and construction finance. Recognizing the complexities of the home buying process, the company assists consumers by addressing their concerns related to financing, eligibility, documentation, and ownership, guiding them through their journey towards homeownership.

Adumo is a fintech company focused on transforming the payment acceptance landscape in sub-Saharan Africa. It provides payment processing services that allow business owners to securely accept a variety of payment types through an omnichannel approach. Adumo supports a diverse range of merchants, including multinational corporations, independent retailers, entrepreneurs, and informal traders. In addition to payment processing, the company offers tools for working capital requirements, consumer engagement, and business support, along with an in-store consumer credit platform and necessary hardware. Through its services, Adumo aims to help businesses grow, simplify operations, and optimize their payment experiences, all while ensuring end-to-end transaction reconciliation and delivering valuable business insights.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in modern banking solutions tailored for retail customers and small to medium enterprises. The bank focuses on delivering innovative digital banking services that address the growing demand for accessible financial products in Uzbekistan. Its offerings include online money transfers, various types of loans, deposits, installments, bank cards, and bill payment services, all designed to enhance the digital customer experience. By leveraging the expertise of its parent company in digital transformation, TBC Bank Uzbekistan aims to provide a comprehensive range of financial services that can be conveniently accessed through digital channels.

Banco Agricola is a financial services provider that provides digital channels, products, and services. It aspires to be an organization committed to excellence that meets customers' financial needs with comprehensive and innovative solutions. Banco Agrcola was founded as the country's first banking institution on March 24, this year, under the name Banco Agrcola Comercial.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Gozem is a super application that provides a range of transportation, delivery, and cashless payment services to its users. Available on both Android and iOS, the platform offers various ride-hailing options including motorcycle-taxis, car-taxis, and tricycle-taxis, catering to diverse mobility needs. In addition to these transportation services, Gozem also facilitates grocery delivery and financial services, making it a comprehensive solution for consumers, drivers, and retailers. The app aims to deliver convenient and cost-efficient access to essential services, enhancing the overall user experience in urban mobility and e-commerce.

Crediclub is a financial services company based in Monterrey, Mexico, established in 2005. It focuses on providing financial solutions primarily to micro-entrepreneurs and small to medium-sized businesses that lack access to conventional banking services. The company has developed a financial platform that offers a range of products, including personal loans, group loans, business loans, investment opportunities, and payment services. By leveraging artificial intelligence and blockchain technology, Crediclub enhances its offerings with improved precision, fraud detection, and personalized service. The company's mission is to empower underserved economic sectors by helping clients finance their businesses, grow their savings, and build wealth.

Maya is a Philippines-based technology company and a wholly-owned subsidiary of Smart Communications, Inc., operating under the umbrella of First Pacific. The company specializes in providing innovative digital solutions aimed at developing new business streams and adapting to evolving business models. Maya offers a comprehensive range of services, including merchant acquiring, domestic and international remittance, payment acceptance, mobile payments, card issuing, and digital financial services. Additionally, the company focuses on digital payments, e-wallets, digital lending, and digital banking, positioning itself as a key player in the financial technology sector and addressing the growing demand for modern, efficient financial solutions.

Vayana Network is a financing network that facilitates electronic trade transactions between businesses and their trade partners. It enables companies to efficiently manage their receivables and payables by connecting them with banks and financial institutions for financing options. Through its online lending platform, Vayana Network provides working capital finance specifically designed for small and medium enterprises, allowing them to access short-term business loans to support growth. The company also offers a Commercial Card solution in collaboration with MasterCard and various banks, enhancing payable financing options for its clients. By streamlining the trade financing process, Vayana Network aims to empower businesses in managing their financial operations more effectively.

AwanTunai is a fintech company based in Jakarta Timur, Indonesia, founded in 2017. It focuses on digitizing the traditional fast-moving consumer goods (FMCG) supply chain by providing a mobile application that connects micro merchants with essential financial services. The platform allows users to access working capital loans and facilitates online ordering, customer management, and payment acceptance. AwanTunai aims to enhance financial inclusion for individuals who lack access to conventional banking products by offering mobile-based credit and connecting them with lenders. As a regulated fintech institution, it has the capability to originate, service, and collect bank-compliant loan assets, ensuring comprehensive customer control. Additionally, AwanTunai collaborates with global insurance institutions to offer auto-trigger micro-insurance protection, contributing to the overall welfare of its users.

Mintifi is an online lending platform in India that aims to empower small and medium businesses through accessible financing solutions. Focused on enhancing the last-mile distribution network, Mintifi offers a range of flexible and affordable loan options designed to simplify the purchase financing experience for businesses. By leveraging technology and a corporate distribution network, the platform enables companies to efficiently manage their supply chain operations and obtain necessary funds to support their activities. Through partnerships with various digital channels, including WhatsApp, Mintifi ensures that its services are easily accessible, facilitating quicker and more straightforward access to financing for SMBs.

GrowSari is a technology-driven B2B platform designed to empower sari-sari stores by transforming them from basic fast-moving consumer goods (FMCG) outlets into comprehensive service hubs. The company provides shop owners with the necessary tools and infrastructure to digitally procure goods, thereby eliminating the need for middlemen. Through its e-commerce marketplace, GrowSari connects stores directly to suppliers, enabling owners to expand their product offerings to include mobile top-ups, remittances, and banking services. This approach not only helps store owners reduce costs but also enhances their understanding of market trends, ultimately benefiting grassroots communities across the nation.

TBC Bank Uzbekistan is a subsidiary of TBC Bank Group, specializing in modern banking solutions tailored for retail customers and small to medium enterprises. The bank focuses on delivering innovative digital banking services that address the growing demand for accessible financial products in Uzbekistan. Its offerings include online money transfers, various types of loans, deposits, installments, bank cards, and bill payment services, all designed to enhance the digital customer experience. By leveraging the expertise of its parent company in digital transformation, TBC Bank Uzbekistan aims to provide a comprehensive range of financial services that can be conveniently accessed through digital channels.

Wave Mobile Money is a financial technology company focused on providing app-based solutions for saving, transferring, and borrowing money in Africa. With a mission to create the first cashless continent, Wave aims to address the challenge of limited access to banking services, as less than 10% of the African population has a bank account. The company is developing an inclusive financial network that offers no account fees and allows for instant transactions, making it accessible to a broader audience. By leveraging technology, Wave is creating affordable financial services that enable individuals to manage their money effectively, thereby fostering economic empowerment and contributing to poverty alleviation. Its platform supports various services, including deposits, withdrawals, bill payments, and money transfers, facilitating cashless transactions for users and businesses alike.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

Maya is a Philippines-based technology company and a wholly-owned subsidiary of Smart Communications, Inc., operating under the umbrella of First Pacific. The company specializes in providing innovative digital solutions aimed at developing new business streams and adapting to evolving business models. Maya offers a comprehensive range of services, including merchant acquiring, domestic and international remittance, payment acceptance, mobile payments, card issuing, and digital financial services. Additionally, the company focuses on digital payments, e-wallets, digital lending, and digital banking, positioning itself as a key player in the financial technology sector and addressing the growing demand for modern, efficient financial solutions.

GrowSari is a technology-driven B2B platform designed to empower sari-sari stores by transforming them from basic fast-moving consumer goods (FMCG) outlets into comprehensive service hubs. The company provides shop owners with the necessary tools and infrastructure to digitally procure goods, thereby eliminating the need for middlemen. Through its e-commerce marketplace, GrowSari connects stores directly to suppliers, enabling owners to expand their product offerings to include mobile top-ups, remittances, and banking services. This approach not only helps store owners reduce costs but also enhances their understanding of market trends, ultimately benefiting grassroots communities across the nation.

Mintifi is an online lending platform in India that aims to empower small and medium businesses through accessible financing solutions. Focused on enhancing the last-mile distribution network, Mintifi offers a range of flexible and affordable loan options designed to simplify the purchase financing experience for businesses. By leveraging technology and a corporate distribution network, the platform enables companies to efficiently manage their supply chain operations and obtain necessary funds to support their activities. Through partnerships with various digital channels, including WhatsApp, Mintifi ensures that its services are easily accessible, facilitating quicker and more straightforward access to financing for SMBs.

Adumo is a fintech company focused on transforming the payment acceptance landscape in sub-Saharan Africa. It provides payment processing services that allow business owners to securely accept a variety of payment types through an omnichannel approach. Adumo supports a diverse range of merchants, including multinational corporations, independent retailers, entrepreneurs, and informal traders. In addition to payment processing, the company offers tools for working capital requirements, consumer engagement, and business support, along with an in-store consumer credit platform and necessary hardware. Through its services, Adumo aims to help businesses grow, simplify operations, and optimize their payment experiences, all while ensuring end-to-end transaction reconciliation and delivering valuable business insights.

Klar is a digital financial platform focused on providing deposit and credit services to customers in Mexico. The company operates as a challenger bank, offering instant credit, as well as cashback and withdrawal services without commissions, through its card and mobile application. By leveraging technology, Klar aims to deliver secure and cost-effective alternatives to traditional credit and debt services, catering to the evolving needs of its users.

Banco Agricola is a financial services provider that provides digital channels, products, and services. It aspires to be an organization committed to excellence that meets customers' financial needs with comprehensive and innovative solutions. Banco Agrcola was founded as the country's first banking institution on March 24, this year, under the name Banco Agrcola Comercial.

AxeTrading, established in 2008 and headquartered in London, specializes in fixed income electronic trading solutions. The company addresses market challenges such as fragmented liquidity and regulatory demands (MiFID2, EMIR, Dodd-Frank, Basel III) by providing technology that enables clients to implement and manage their fixed income trading strategies efficiently. Their platform aggregates liquidity from various sources, including electronic venues, messaging platforms, and voice channels, facilitating electronic trading networks for fixed-income products.

Figopara is a financial technology company that offers a supplier finance platform aimed at addressing short-term financing needs for businesses. The platform allows buyers to extend their payment terms with a simple click, while simultaneously enabling suppliers to receive early payment on their post-paid receivables. By discounting e-invoices before their due dates, Figopara enhances working capital for its clients, thereby contributing to their profitability. The company facilitates secure information exchange between businesses and financial institutions, ensuring that relevant invoice data is shared effectively. This innovative approach helps streamline cash flow management for both buyers and suppliers.

Maya is a Philippines-based technology company and a wholly-owned subsidiary of Smart Communications, Inc., operating under the umbrella of First Pacific. The company specializes in providing innovative digital solutions aimed at developing new business streams and adapting to evolving business models. Maya offers a comprehensive range of services, including merchant acquiring, domestic and international remittance, payment acceptance, mobile payments, card issuing, and digital financial services. Additionally, the company focuses on digital payments, e-wallets, digital lending, and digital banking, positioning itself as a key player in the financial technology sector and addressing the growing demand for modern, efficient financial solutions.

BAC Acquisition is a company focused on acquiring and developing consumer-centric and technology-driven businesses in the BFSI (Banking, Financial Services & Insurance) sector. Leveraging innovative technologies and a customer-centric approach, BAC Acquisition aims to enhance and expand its portfolio of businesses within the financial services industry.

As the demand for financial services of the rural households becomes increasingly diversified and increasingly urgent, more comprehensive and diversified financial services and capacity building will play a more important role in the future development of rural finance. Rural credit finance is the public network platform of Zhonghe rural credit. It aims to provide small, simple and accessible micro financial services for rural low-income farmers and operating farmers through Internet technology. At present, the micro financial products and services provided by rural credit covers all aspects of credit, financial management, mutual aid and agricultural production and other aspects of public financing.

Incomlend Pte. Ltd., established in Singapore in 2016 with global offices, operates an invoice financing platform that connects small and medium-sized enterprises (SMEs) worldwide with investors. Its secure, tech-enabled marketplace facilitates the sale of export and domestic trade receivables at a discount, enabling SMEs to access cash flow earlier. The platform supports live trading of invoices in multiple currencies across countries. Additionally, Incomlend has launched Asia's first structured finance program focused on ESG principles, connecting socially conscious investors with sustainable SMEs.

2C2P is a comprehensive payments platform based in Singapore that enables enterprises to securely accept and process payments through a single integration point. The company supports a wide range of payment methods across online, mobile, and offline channels, boasting a network that includes over 400,000 alternative payment locations. 2C2P caters to both banked and unbanked transactions, providing e-commerce and mobile commerce payment solutions that facilitate peer-to-peer payments, money transfers, and other banking activities. Additionally, the platform offers value-added services such as issuing, 3D Secure, bill payments, and digital goods, making it a preferred choice for technology firms, online marketplaces, retailers, and global enterprises seeking efficient and secure payment solutions.

Fawaterak is a company dedicated to providing essential tools for merchants and small businesses to enhance their operational efficiency and financial management. It offers a suite of services that enables businesses to accept credit and debit card payments securely and quickly, manage sales and inventory in real-time, and foster customer relationships through loyalty programs. The platform supports freelancers and small enterprises by simplifying the invoicing and payment processes, allowing users to create and deliver customized invoices while offering various payment options. Additionally, Fawaterak provides essential features such as point of sale systems, online checkout solutions, mobile app administration, and compliance with tax and eInvoice regulations, empowering businesses to grow and thrive in a competitive landscape.

Netsahem is a donation network platform that specializes in digital fundraising for non-profit organizations. It provides a user-friendly platform that facilitates electronic donations, offering a diverse range of e-payment methods to ensure easy and efficient transfer of funds. Netsahem aims to empower non-profits, particularly those operating offline, by helping them expand their outreach and increase their fundraising capabilities. Through its innovative solutions, the company contributes to supporting people in need throughout the Egypt region.

Mintifi is an online lending platform in India that aims to empower small and medium businesses through accessible financing solutions. Focused on enhancing the last-mile distribution network, Mintifi offers a range of flexible and affordable loan options designed to simplify the purchase financing experience for businesses. By leveraging technology and a corporate distribution network, the platform enables companies to efficiently manage their supply chain operations and obtain necessary funds to support their activities. Through partnerships with various digital channels, including WhatsApp, Mintifi ensures that its services are easily accessible, facilitating quicker and more straightforward access to financing for SMBs.

Maya is a Philippines-based technology company and a wholly-owned subsidiary of Smart Communications, Inc., operating under the umbrella of First Pacific. The company specializes in providing innovative digital solutions aimed at developing new business streams and adapting to evolving business models. Maya offers a comprehensive range of services, including merchant acquiring, domestic and international remittance, payment acceptance, mobile payments, card issuing, and digital financial services. Additionally, the company focuses on digital payments, e-wallets, digital lending, and digital banking, positioning itself as a key player in the financial technology sector and addressing the growing demand for modern, efficient financial solutions.

Roojai is a managing general agent (MGA) that develops, prices, and manages a range of retail insurance products, primarily focusing on motor and health insurance. Established in Thailand in 2016 and expanding to Indonesia in 2022, Roojai operates an online insurance platform designed to enhance access to insurance in a transparent and cost-effective manner. The platform utilizes technology to lower operational costs while providing customers with clear information throughout the claims and repair process. It allows users to obtain personalized quotes, customize coverage options, file claims digitally, and manage payments seamlessly, all contributing to an improved insurance experience.

eFactorNetwork operates as a leading electronic factoring marketplace in Mexico, specializing in supply chain financing services. The company focuses on optimizing working capital for global supply chains by assisting suppliers in obtaining discounts on accounts receivable in exchange for advance payments. By integrating both national and international banks, eFactorNetwork enhances the scale of business for its clients and mitigates financial risk through diversified funding options. This approach supports suppliers in improving their cash flow and overall financial health, contributing to a more efficient supply chain ecosystem.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, Lagos, and Kirkland. The company specializes in providing personal loans through its Android application, utilizing smartphone data to assess creditworthiness and streamline the approval process. By leveraging data science, Branch aims to reduce the cost of delivering financial services in emerging markets, thereby enhancing access to banking options for the growing middle class. Its mission is to ensure fair financial access for consumers, allowing users to build credit regardless of their banking history and circumventing challenges posed by traditional financial institutions.

Demica Limited is a Fintech company based in London, United Kingdom, specializing in working capital solutions for multinational corporations and banks. Founded in 1990, it offers a software as a service (SaaS) platform that facilitates a range of financial services, including trade receivables securitization, receivable portfolio purchase, factoring, invoice discounting, supply chain finance, and dynamic discounting. Demica serves a diverse clientele across Europe, North America, Asia, and beyond, focusing on facilities ranging from $50 million to over $750 million. The company collaborates with financial advisors, technology integrators, law firms, and financial sponsors to deliver tailored supply chain finance solutions that address the specific working capital needs of large corporates across various industries. In addition to its London headquarters, Demica maintains an office in New York, enhancing its global reach and service capabilities.

Koin is a pioneering financial technology company in Latin America, specializing in Buy Now, Pay Later solutions that are designed to be secure and free of bureaucracy. The company provides a range of financial services for both business-to-business and business-to-consumer markets, including payment options through Pix and a robust anti-fraud solution. Koin aims to enhance the shopping experience by making consumption more accessible and valuable for consumers and corporate clients alike. By facilitating online purchases with a post-pay application that ensures payment occurs only after product receipt, Koin fosters trust between users and online retailers. In 2020, Koin was acquired by Despegar, the largest travel company in the region, further solidifying its position in the market.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

WeLab Holdings Limited operates online and mobile lending platforms in Hong Kong and China. Founded in 2013, the company offers personal loan, balance transfer, and handset installment plan products through its platforms Wolaidai (China) and WeLend (Hong Kong). It leverages proprietary risk management technology to analyze unstructured mobile big data swiftly, enabling innovative consumer financing solutions. Additionally, WeLab partners with traditional financial institutions to provide B2B enterprise solutions, enhancing their services with fintech capabilities.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

WeLab Holdings Limited operates online and mobile lending platforms in Hong Kong and China. Founded in 2013, the company offers personal loan, balance transfer, and handset installment plan products through its platforms Wolaidai (China) and WeLend (Hong Kong). It leverages proprietary risk management technology to analyze unstructured mobile big data swiftly, enabling innovative consumer financing solutions. Additionally, WeLab partners with traditional financial institutions to provide B2B enterprise solutions, enhancing their services with fintech capabilities.

ComparaOnline is a price comparison platform that helps customers make informed decisions when purchasing complex financial products, focusing on insurance and financial services. Established in 2009 by Sebastian Valin and headquartered in Santiago, the company collaborates with banks and insurance providers to optimize customer acquisition and enhance the user experience. ComparaOnline's expertise lies in sales execution, streamlining the process for customers and providing valuable insights for financial decision-making.

MoneyHero Group is a fintech company that focuses on personal finance aggregation and comparison, aiming to empower individuals for a better financial future. The company's key pillars include Personal Finance Platforms and B2B Business, fostering partnerships with Creatory Channel Partners and Content Creators under eKos_connect. MoneyHero Group shapes the future of finance through technology and connectivity.

Hyphen Group operates CompareAsiaGroup, a prominent personal finance management platform in Asia. Established in 2013 and headquartered in Hong Kong, CompareAsiaGroup provides users with free and independent online tools to compare a wide range of financial products, including banking, insurance, credit cards, and personal loans. The platform partners with leading financial institutions across the region, enabling users to evaluate over 2,500 products. With a workforce of over 250 employees, CompareAsiaGroup has a significant presence in multiple countries, including Hong Kong, Malaysia, the Philippines, Singapore, Taiwan, and Thailand. The Group's mission is to empower individuals to save money and make informed financial decisions through its comprehensive comparison services.

MONi is a financial technology company based in Buenos Aires, Argentina, specializing in a microloans platform that allows users to obtain cash advances online. Founded in September 2013 by Alejandro Estrada and Juan Pablo Bruzzo, MONi's innovative platform streamlines the loan application process, enabling consumers to access funds quickly and conveniently through a mobile application. The platform facilitates not only cash advances but also payments for telecom, utility, and other bills, eliminating the need for formalities or extensive paperwork. By focusing on enhancing traditional financial services, MONi aims to provide a seamless financial experience for its customers.

Network International is a prominent provider of payment solutions in the Middle East and Africa, established in 1994. The company offers a comprehensive suite of technology-enabled services designed to meet the diverse needs of merchants and financial institutions. Its offerings include credit and debit card processing, ATM management, merchant acquiring, and consumer finance applications. Network International is recognized for its innovative approach and ability to deliver tailored solutions that enhance payment transactions, making them secure, fast, and efficient. As a principal member of Visa International and MasterCard International in the UAE, it holds a significant position in the market, being the first independent vendor certified by both networks for card payments. The company also provides consultancy services to assist clients in planning and designing new card products and programs. Committed to driving customer revenue and profitability, Network International continues to evolve its services to adapt to the growing demands of the digital commerce landscape.

SeedPlus is a venture capital firm established in 2015 and located in Singapore. The firm specializes in early-stage investments, focusing on seed-stage companies primarily in the software-as-a-service, financial technology, artificial intelligence, and cyber security sectors. SeedPlus aims to make approximately six investments annually, targeting innovative startups that demonstrate potential for growth in these dynamic fields.

Creditas is a financial technology company that operates a digital platform that offers secured consumer loans. It uses credit scoring systems and borrowers’ assets, such as homes and automobiles as collateral to offer loans. Sergio Furio founded BankFacil in 2012 that later became Creditas. It has its headquarters in São Paulo in Brazil.

Zoona is a mobile technology company established in 2009, headquartered in South Africa with operations in Zambia, Malawi, and Mozambique. It specializes in developing products such as money transfers, electronic voucher payments, and agent payments, aiming to provide safe and reliable financial services to underserved communities across Africa. As of now, Zoona has processed over $2 billion in transactions, demonstrating its significant impact on the continent's financial landscape. The company has been recognized by notable organizations like The Nike Foundation and The Unreasonable Group for its potential to empower young entrepreneurs and help girls become entrepreneurs, thereby contributing to poverty alleviation efforts.

Airtm Inc., established in 2015, operates an online platform enabling users worldwide to send, receive, and store money in U.S. dollars. The company connects users with certified cashiers who facilitate transactions, with Airtm Inc. earning a commission. Airtm Inc. is headquartered in Dover, Delaware, and its services are accessible via a web-based platform.

Monedo, a fintech company, leverages machine learning and alternative data sources to provide credit and digital banking services to the underbanked. Its offerings include consumer loans, a digital wallet, and a personal finance manager to help customers manage their credit score and spending. Additionally, Monedo's "Lending as a Service" model allows partners to integrate its credit products into their own platforms.

Zoona is a mobile technology company established in 2009, headquartered in South Africa with operations in Zambia, Malawi, and Mozambique. It specializes in developing products such as money transfers, electronic voucher payments, and agent payments, aiming to provide safe and reliable financial services to underserved communities across Africa. As of now, Zoona has processed over $2 billion in transactions, demonstrating its significant impact on the continent's financial landscape. The company has been recognized by notable organizations like The Nike Foundation and The Unreasonable Group for its potential to empower young entrepreneurs and help girls become entrepreneurs, thereby contributing to poverty alleviation efforts.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Guiabolso is a Brazilian fintech company founded in 2014 by Thiago Alvarez and Benjamin Gleason, aimed at transforming the financial landscape through innovative technology and Open Banking solutions. With a user base of 6 million, Guiabolso offers an application that consolidates financial management, automates budgeting, and provides a curated marketplace for financial products. The platform enhances users' financial well-being by facilitating informed choices through unique segmenting and scoring capabilities. Additionally, Guiabolso stands out as the only company in Brazil with a fully operational end-to-end Open Banking solution tailored for B2B clients, offering advanced analytics and personal financial management features. By leveraging open data access, Guiabolso seeks to improve the financial lives of consumers and provide valuable insights to its corporate partners.

Monedo, a fintech company, leverages machine learning and alternative data sources to provide credit and digital banking services to the underbanked. Its offerings include consumer loans, a digital wallet, and a personal finance manager to help customers manage their credit score and spending. Additionally, Monedo's "Lending as a Service" model allows partners to integrate its credit products into their own platforms.

Embonds, formally known as Emerging Markets Bond Exchange Ltd., is a company based in London with a development team in Istanbul. It operates the world's first electronic trading platform specifically designed for emerging market bonds. The platform facilitates the trading of publicly traded sovereign and corporate fixed-income securities from Central and Eastern Europe, the Middle East, and Africa (CEEMEA), covering both domestic and Eurobond debt within the London time zone. Embonds aims to provide a transparent, user-friendly, and accessible electronic platform that pools liquidity from various participants, including asset managers, local primary dealers, and global banks. This approach helps achieve tighter spreads on trades, which are expected to narrow further as liquidity increases.

InvoiNet S.A. is a financial technology company based in Buenos Aires, Argentina, founded in 2008. It operates an online platform that facilitates the connection between financial suppliers and customers, enabling them to send, receive, manage, and finance invoices. The platform serves as an interactive portal for sellers, buyers, and financial institutions, promoting collaboration and enhancing the efficiency of invoice management and working capital financing. By providing a comprehensive marketplace, InvoiNet allows various stakeholders, including banks and professional investors, to engage effectively in the invoicing process.

Embonds, formally known as Emerging Markets Bond Exchange Ltd., is a company based in London with a development team in Istanbul. It operates the world's first electronic trading platform specifically designed for emerging market bonds. The platform facilitates the trading of publicly traded sovereign and corporate fixed-income securities from Central and Eastern Europe, the Middle East, and Africa (CEEMEA), covering both domestic and Eurobond debt within the London time zone. Embonds aims to provide a transparent, user-friendly, and accessible electronic platform that pools liquidity from various participants, including asset managers, local primary dealers, and global banks. This approach helps achieve tighter spreads on trades, which are expected to narrow further as liquidity increases.

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

AB Microfinance Bank Nigeria Limited, established in 2008 and headquartered in Lagos, is a foreign-owned financial institution. It specializes in providing financial services to micro, small, and medium-sized enterprises, as well as low-income individuals. The bank offers a range of deposit accounts, including savings, current, and term deposits, along with lending services such as micro and small to medium enterprise loans. It operates as a subsidiary of Access Microfinance Holding AG, with a mission to enhance business opportunities for entrepreneurs and improve the financial status of its clients.

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

SafetyPay is a global internet payment solution that facilitates secure online transactions for customers using their local bank accounts in their preferred currency. Designed to address the increasing demand for safe online payment methods, SafetyPay allows users to make purchases from merchants worldwide without the need for credit cards. Its software caters to various industries, including airline, automotive, retail, finance, and insurance, by providing real-time global payment options. By enabling hassle-free and secure transactions, SafetyPay enhances the online shopping experience for consumers and merchants alike.

Earthport is a global financial services company specializing in cross-border payment solutions. The company offers its services to business enterprises and banks, facilitating international payments in over 50 countries and territories. Earthport aims to provide a faster, more cost-effective, and transparent payment experience, enabling clients to send money efficiently to nearly any location worldwide.

eleni LLC is a developer of commodity exchange platforms focused on frontier markets in Africa, with operations based in both Nairobi, Kenya, and Addis Ababa, Ethiopia. The company specializes in building comprehensive exchange ecosystems that enhance market access for traders, directly impacting the livelihoods of rural populations. Eleni offers a suite of integrated business applications tailored for commodity markets and manages various components of exchange projects. These include legal and regulatory frameworks, warehouse receipt systems, electronic central depositories, automated clearinghouses, trade matching, and real-time mobile market data. Additionally, eleni engages in delivery logistics, membership services, training and certification, market surveillance, compliance enforcement, and risk management, all aimed at fostering sustainable economic development in the regions it serves.

Equitas Holdings Limited, based in Chennai, India, operates as a non-banking financial institution through its subsidiaries. Founded in 2007, the company focuses on providing a range of financial services, including microfinance, vehicle finance, housing finance, and loans for micro and small enterprises, as well as agricultural and gold loans. It serves individuals and businesses, particularly those with limited access to traditional banking services. Additionally, Equitas Holdings engages in online freight facilitation under the Wowtruck brand. The company evolved from its original name, Equitas Micro Finance India Private Limited, in 2012, and it has since expanded its offerings to include a variety of financial products aimed at helping low-income customers and self-employed individuals.

Accion, established in 1961, is a global non-profit organization headquartered in Cambridge, Massachusetts. Its mission is to provide access to financial tools and services for underserved individuals, small businesses, and communities, enabling them to grow and thrive. Accion achieves this by catalyzing financial service providers to deliver affordable, high-quality solutions at scale. The organization supports these providers through advisory services, targeted coaching, and startup support, as well as providing high-caliber governance through board oversight. Additionally, Accion invests in and supports innovative fintech startups that drive financial inclusion through its Venture Lab initiative. This involves providing flexible financial and non-financial support, including investment capital and strategic operational assistance, to seed-stage startups leveraging technology and new business models to improve access to, and the quality of, financial services for the underserved.

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

Financial Information Network & Operations Pvt. Ltd. provides technology and operational solutions to financial institutions. It designs and implements technology solutions, such as systems, services, and networks. The company offers Tijori, a biometric smart card based no frills saving account product designed for the banks/ micro finance institutions (MFIs) in the microfinance space; Saral, a loan management system; Parichay, which provides a foolproof and an easy-to-use means to establish an individual's identity; Sayana-Ravi, a credit scoring solution for banks and MFIs; Plus, an deposit management solution, which combines reach, services, delivery channel, and processing platform; and MITRA that covers operational tasks and mobile commerce transactions. It also provides business correspondent and banking ASP services. The company serves banking, micro finance, insurance, and government enterprises, as well as consultants. Financial Information Network & Operations Pvt., Ltd. was founded in 2006 and is based in Mumbai, India.

Financial Information Network & Operations Pvt. Ltd. provides technology and operational solutions to financial institutions. It designs and implements technology solutions, such as systems, services, and networks. The company offers Tijori, a biometric smart card based no frills saving account product designed for the banks/ micro finance institutions (MFIs) in the microfinance space; Saral, a loan management system; Parichay, which provides a foolproof and an easy-to-use means to establish an individual's identity; Sayana-Ravi, a credit scoring solution for banks and MFIs; Plus, an deposit management solution, which combines reach, services, delivery channel, and processing platform; and MITRA that covers operational tasks and mobile commerce transactions. It also provides business correspondent and banking ASP services. The company serves banking, micro finance, insurance, and government enterprises, as well as consultants. Financial Information Network & Operations Pvt., Ltd. was founded in 2006 and is based in Mumbai, India.