Wollef

Wollef is a venture capital investment firm established in 2013 and located in Mexico City, Mexico. The firm focuses on investing in technology-related sectors within Latin America, specifically targeting areas such as digital services, software, software-as-a-service, the Internet of Things, big data, fintech, and mobile technologies. Wollef specializes in early-stage investments, participating in pre-seed, seed, and Series A funding rounds to support emerging companies in these dynamic fields.

Maria Sol Bertlshofer

Principal

53 past transactions

Aviva

Seed Round in 2024
Aviva is an innovative digital bank focused on providing financial services to underbanked communities in Latin America, particularly targeting Mexico's population of over 40 million individuals. By leveraging artificial intelligence and video technology, Aviva aims to bridge the gap for those living in remote areas through physical onboarding kiosks. These nano-branches facilitate a seamless onboarding process, allowing customers to complete a documentless, three-minute video application for credit. Aviva’s unique approach includes using natural language processing to analyze spoken responses and assess emotional cues, which enhances its ability to evaluate thin-file customers. By employing these advanced risk models, Aviva is committed to offering unsecured credit products at competitive interest rates, thereby supporting the financial inclusion of underserved individuals and nano-businesses.

Toku

Series A in 2024
Toku operates an online financial platform designed for B2C companies, focusing on the automation of collections and streamlining the payment process. The platform leverages machine learning to optimize the collection of recurring payments, thereby reducing late payments and enhancing operational efficiency. Toku also provides features that allow companies to manage automatic payment methods, including inactivation and deactivation. By facilitating payment orchestration and offering account-to-account payments, Toku aims to lower payment fees and improve the overall financial operations of its clients.

Nexu

Series B in 2023
Nexu operates a digital financing platform tailored for car dealerships. It employs artificial intelligence and automated statistical algorithms to facilitate real-time, paperless automotive loans for customers. The platform connects individuals seeking credit with financial institutions, streamlining the loan search process and enabling users to review offers at no cost.

Momento

Seed Round in 2023
Momento is an insurtech company focused on transforming the insurance landscape in Latin America, particularly in the auto insurance sector. Leveraging technology and data, Momento aims to enhance the user experience by simplifying the purchasing process and offering personalized pricing tailored to individual drivers. The platform provides comprehensive services, including driving behavior analysis, information on fines, theft risk assessments in specific areas, and details about affordable gas stations and parking options. Additionally, Momento streamlines the claims process, making it automated and user-friendly, while also targeting the uninsured demographic in Latin America to broaden its market reach.

Vioo

Pre Seed Round in 2023
Vioo is a professional visual content creation marketplace designed to meet the on-demand needs of companies seeking high-quality visual content for their projects. The platform automates the process of content creation by connecting businesses with specialized professionals in various fields, including photography, video production, virtual reality, drone services, and rendering. By matching project requirements with the appropriate talent, Vioo enables organizations to streamline their workflows, reduce manhours and costs, and focus on their core functions, ultimately enhancing efficiency in visual content production.

Toku

Seed Round in 2023
Toku operates an online financial platform designed for B2C companies, focusing on the automation of collections and streamlining the payment process. The platform leverages machine learning to optimize the collection of recurring payments, thereby reducing late payments and enhancing operational efficiency. Toku also provides features that allow companies to manage automatic payment methods, including inactivation and deactivation. By facilitating payment orchestration and offering account-to-account payments, Toku aims to lower payment fees and improve the overall financial operations of its clients.

Aviva

Pre Seed Round in 2022
Aviva is an innovative digital bank focused on providing financial services to underbanked communities in Latin America, particularly targeting Mexico's population of over 40 million individuals. By leveraging artificial intelligence and video technology, Aviva aims to bridge the gap for those living in remote areas through physical onboarding kiosks. These nano-branches facilitate a seamless onboarding process, allowing customers to complete a documentless, three-minute video application for credit. Aviva’s unique approach includes using natural language processing to analyze spoken responses and assess emotional cues, which enhances its ability to evaluate thin-file customers. By employing these advanced risk models, Aviva is committed to offering unsecured credit products at competitive interest rates, thereby supporting the financial inclusion of underserved individuals and nano-businesses.

Camillion

Seed Round in 2022
Camillion is a messaging platform designed for blue-collar workers and remote teams to boost productivity and streamline communication. The platform provides asynchronous messaging that enables users to share updates, discuss ideas, follow up on objectives, and supervise team tasks, with the aim of reducing unnecessary meetings and speeding decision making.

Yave

Seed Round in 2022
It is to provide the Mortgage of the Future, a better mortgage loan through an exceptional service that fits your needs. They provide an alternative to the complicated and traditional procedures of the past, modernizing the experience of their users through an agile and avant-garde service with personal advice and fair rates.

Foodology

Series B in 2022
Foodology operates delivery-focused digital restaurant brands across Latin America, specializing in scaling these brands via cloud kitchen networks. With over 80 kitchens in Colombia, Mexico, Brazil, and Peru, the company leverages technology and infrastructure to streamline food processing, enabling brands to rapidly iterate concepts without substantial setup costs.

Favik

Pre Seed Round in 2022
Favik is an online platform established in 2020 and headquartered in Bogotá, Colombia, designed to support influencers in building and managing their brands. The company offers a comprehensive suite of services that includes marketing, retail, technology, operations, finance, and business strategy. By providing these resources, Favik enables social influencers and content creators to efficiently develop their brands and handle all aspects of product production and delivery to consumers.

Zubale

Series A in 2022
Zubale is a technology-driven company that serves as critical infrastructure for retailers in the e-commerce sector. It operates a marketplace that connects retailers with gig workers, facilitating efficient back-end operations and enhancing service quality through improved fill rates and timely deliveries. By leveraging a platform that allows businesses to crowdsource various digital tasks, Zubale enables independent workers to complete assignments and earn rewards. The company has achieved remarkable growth, completing over 3 million jobs across 90 cities and 16,800 stores in Mexico, Colombia, and Costa Rica, with plans to expand further across Latin America. Co-founders Allison Campbell and Sebastian Monroy bring extensive retail experience from their backgrounds at Walmart and Procter & Gamble, enhancing Zubale's capabilities in the region.

Castia

Seed Round in 2022
Castia is a Latin American proptech company that facilitates seamless home transitions for homeowners by leveraging their existing home equity. The company offers services that include providing mortgage loans to cover down payments for new homes while assisting clients in selling their previous properties. This approach allows homeowners to move into their desired residences without the immediate burden of down payments, streamlining the process and enhancing the overall experience of transitioning to a new home. Through its innovative solutions, Castia aims to simplify the complexities of real estate transactions in the region.

Riogrande

Seed Round in 2022
Riogrande is a developer of an e-commerce platform focused on acquiring, building, and scaling online brands in the Latin American market. The company collaborates with e-commerce entrepreneurs to enhance and strengthen their brands, aiming to optimize and integrate operations for improved efficiency. By leveraging its platform, Riogrande seeks to create a new generation of online brands, offering businesses the opportunity to achieve greater economies of scale and reach higher performance targets.

Melonn

Series A in 2022
Melonn is a technology company that facilitates e-commerce fulfillment for retailers. It provides back-end services, including inventory management and order processing, allowing businesses to offer efficient deliveries, such as same-day options, thereby enhancing customer satisfaction and potentially increasing sales.

Nexu

Series A in 2022
Nexu operates a digital financing platform tailored for car dealerships. It employs artificial intelligence and automated statistical algorithms to facilitate real-time, paperless automotive loans for customers. The platform connects individuals seeking credit with financial institutions, streamlining the loan search process and enabling users to review offers at no cost.

Solvento

Seed Round in 2021
Solvento is a fintech company that provides a digital financial platform specifically designed for the trucking industry. The company develops a payment and credit infrastructure that enables truckers to access credit lines and automate payment processing. By integrating with transportation management systems, GPS, and enterprise resource planning systems, Solvento enhances operational efficiency and liquidity for its clients. This platform allows truckers to finance invoices immediately upon delivery of goods, alleviating cash flow challenges and enabling them to focus on their operations and growth. Overall, Solvento aims to strengthen the supply chain by offering reliable, flexible, and user-friendly financial tools tailored to the needs of the trucking sector.

Vopero

Corporate Round in 2021
Vopero is an online fashion resale platform that operates a circular garment rotation system. The company provides a marketplace where individuals can buy and sell unique fashion items in a sustainable manner, typically at prices cheaper than traditional stores. By facilitating direct transactions between sellers and buyers, Vopero aims to promote conscious fashion consumption and extend the lifecycle of apparel. The platform focuses on convenience for sellers and appealing deals for buyers, contributing to a re-circulation model that reduces fashion waste while offering access to a diverse range of clothes.

Foodology

Series A in 2021
Foodology operates delivery-focused digital restaurant brands across Latin America, specializing in scaling these brands via cloud kitchen networks. With over 80 kitchens in Colombia, Mexico, Brazil, and Peru, the company leverages technology and infrastructure to streamline food processing, enabling brands to rapidly iterate concepts without substantial setup costs.

Favik

Pre Seed Round in 2021
Favik is an online platform established in 2020 and headquartered in Bogotá, Colombia, designed to support influencers in building and managing their brands. The company offers a comprehensive suite of services that includes marketing, retail, technology, operations, finance, and business strategy. By providing these resources, Favik enables social influencers and content creators to efficiently develop their brands and handle all aspects of product production and delivery to consumers.

WherEX

Series A in 2021
WherEX is an e-sourcing and supplier engagement platform designed to enhance procurement processes for businesses. By utilizing machine learning, it leverages data from its extensive network to provide insights into supplier opportunities and cost savings. The platform facilitates a transparent bidding process, allowing companies to request products and services while receiving competitive bids from qualified suppliers worldwide. This approach fosters competition and ensures that suppliers can compete on equal terms, ultimately reducing risks and costs associated with enterprise commerce. WherEX aims to streamline the procurement experience, making it more efficient and effective for supply chain and procurement teams.

Pulsar

Seed Round in 2021
Pulsar specializes in real-time productivity monitoring and analytics for small and mid-sized manufacturers. The company employs Internet of Things-based sensor technology, which utilizes plug-and-play wireless sensors and proprietary AI algorithms to enhance operational efficiency. By connecting sensors to the cloud, Pulsar enables users to visualize factory performance both in real-time and historically. Its system groups machines into a global indicator, allowing factory owners to analyze historical performance, monitor machine uptime, and receive customized alerts for immediate problem detection and resolution. This innovative approach significantly reduces the costs and time associated with industrial monitoring and analysis.

Melonn

Seed Round in 2021
Melonn is a technology company that facilitates e-commerce fulfillment for retailers. It provides back-end services, including inventory management and order processing, allowing businesses to offer efficient deliveries, such as same-day options, thereby enhancing customer satisfaction and potentially increasing sales.

Bankuish

Pre Seed Round in 2021
Bankuish is a technology platform founded in 2020, with headquarters in New York City and Mexico City, that enables gig workers and freelancers to utilize their work history data to establish creditworthiness. The platform provides users access to a marketplace of preapproved financial offers from national banks, alongside tools designed to enhance their credit scores. By employing AI-driven methods to generate alternative credit scores, Bankuish facilitates the provision of loans, insurance, and digital payment solutions. Additionally, the company aids banks in acquiring new customers, managing risk, and fostering improved relationships with clientele. The Bankuish Score has successfully been used to de-risk thousands of individuals while maintaining a default rate significantly below industry norms.

Castia

Pre Seed Round in 2021
Castia is a Latin American proptech company that facilitates seamless home transitions for homeowners by leveraging their existing home equity. The company offers services that include providing mortgage loans to cover down payments for new homes while assisting clients in selling their previous properties. This approach allows homeowners to move into their desired residences without the immediate burden of down payments, streamlining the process and enhancing the overall experience of transitioning to a new home. Through its innovative solutions, Castia aims to simplify the complexities of real estate transactions in the region.

Jeeves

Series A in 2021
Jeeves is a fintech company founded in 2019 and headquartered in the United States, focused on providing financial solutions that empower businesses worldwide. The company is developing a comprehensive international fintech infrastructure that includes a global switching layer and the capability to manage corporate spending through various financial tools. Jeeves offers a platform that enables customers to open multi-currency accounts, issue corporate cards, and track expenses, facilitating cross-border payments and simplifying expense management for global teams. By integrating these features into a single platform, Jeeves aims to streamline financial operations for businesses operating in multiple countries.

boitas.com

Seed Round in 2021
Boitas is a startup that is quickly disrupting the $100 Billion industry of wholesale grocery and foodservice distribution in Latam. By offering offices, hospitals, restaurants, schools, and SMBs owners all their daily supplies in one place with a simple mobile/web experience with broad selection of items, transparent pricing, real-time availability, simple ordering, and on-time deliveries 6 days a week

Justo

Venture Round in 2020
Justo SpA is a Chilean company established in 2018 that specializes in developing and operating an online food ordering and delivery platform. The company provides custom-built e-commerce websites for restaurant brands, enabling them to manage online orders and connect directly with customers. Justo's platform includes various features such as marketing tools, sales reporting, and last-mile delivery services, allowing restaurants to enhance their sales capabilities and maintain competitive pricing. Additionally, Justo charges a maximum commission of 15 percent on orders, allowing restaurant owners to retain valuable customer data generated through the service.

Foodology

Convertible Note in 2020
Foodology operates delivery-focused digital restaurant brands across Latin America, specializing in scaling these brands via cloud kitchen networks. With over 80 kitchens in Colombia, Mexico, Brazil, and Peru, the company leverages technology and infrastructure to streamline food processing, enabling brands to rapidly iterate concepts without substantial setup costs.

Liftit

Series B in 2020
Liftit S.A.S., founded in 2016 and based in Bogotá, Colombia, is a B2B logistics company that operates a cargo transportation platform. This platform connects providers of cargo transportation services with companies or individuals who need these services. It serves as a marketplace for shippers requiring delivery of various goods, such as home items, electronics, and construction materials, to independent truck drivers capable of fulfilling those needs. Liftit's technology aims to optimize, measure, analyze, and solve problems in the logistics industry by monitoring operations in real-time and tracking services from order placement to dispatch.

Moons

Venture Round in 2020
Moons is a healthcare technology company based in Mexico City, specializing in orthodontic and dental hygiene products. Founded in 2019, the company offers innovative dental services that allow customers to straighten their teeth using transparent aligners instead of traditional braces. Moons creates individualized 3D models of patients' teeth, enabling specialists to design tailored treatment plans. Clients visit Moons Studios for consultations with qualified orthodontists, and subsequently receive a set of personalized clear aligners by mail. The average treatment time is approximately six months, during which patients can achieve a straighter and whiter smile at an affordable cost. Moons also provides dental services online in Mexico and Colombia.

Checkars

Seed Round in 2019
Checkars is an Argentine-based online platform facilitating the buying and selling of used cars. Founded by former OLX and Google executives, it aims to streamline this process by offering transparent information about vehicle conditions, hidden costs, and pricing. In its inaugural year, Checkars successfully sold 300 vehicles, demonstrating its potential in revolutionizing Argentina's used-car market.

Wollef

Private Equity Round in 2019
Wollef is a venture capital investment firm established in 2013 and located in Mexico City, Mexico. The firm focuses on investing in technology-related sectors within Latin America, specifically targeting areas such as digital services, software, software-as-a-service, the Internet of Things, big data, fintech, and mobile technologies. Wollef specializes in early-stage investments, participating in pre-seed, seed, and Series A funding rounds to support emerging companies in these dynamic fields.

Producteca

Convertible Note in 2019
Producteca is a SaaS company that specializes in e-commerce management, enabling businesses to efficiently manage their online sales across multiple marketplaces. The company's platform allows users to upload and share their product catalogs with retail clients, facilitating the publication of products on various sales channels. By providing a centralized solution for inventory management, pricing, and order processing, Producteca empowers retailers to maintain control over their brand image, pricing strategies, and overall sales performance. This integration helps small businesses synchronize their operations in real-time, streamlining their online distribution and enhancing their ability to compete in the digital marketplace.

Liftit

Series A in 2018
Liftit S.A.S., founded in 2016 and based in Bogotá, Colombia, is a B2B logistics company that operates a cargo transportation platform. This platform connects providers of cargo transportation services with companies or individuals who need these services. It serves as a marketplace for shippers requiring delivery of various goods, such as home items, electronics, and construction materials, to independent truck drivers capable of fulfilling those needs. Liftit's technology aims to optimize, measure, analyze, and solve problems in the logistics industry by monitoring operations in real-time and tracking services from order placement to dispatch.

Konfio

Series C in 2018
Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Ben & Frank

Seed Round in 2018
Ben & Frank is an online optical store that aims to transform the traditional eyewear purchasing experience with a customer-centric approach. The company offers a diverse selection of fashionable glasses, including options such as anti-reflective, polycarbonate, anti-scratch, polarized, and UV-resistant eyewear. By providing access to a wide range of affordable eyewear products, Ben & Frank enables consumers to find stylish and functional solutions to their vision needs. Additionally, the company integrates a vision testing system into its platform, further enhancing the convenience and accessibility of its services for customers.

Brandtrack

Seed Round in 2018
Brandtrack, Inc. is a software company based in Buenos Aires, Argentina, that offers a background music platform tailored for commercial establishments. Founded in 2014, Brandtrack provides a solution that allows businesses to curate music playlists based on their brand identity and customer demographics, enhancing the shopping experience. The platform enables users to manage music across multiple locations without requiring an Internet connection, and it includes features such as the ability to incorporate commercial advertisements and voiceovers into playlists. Brandtrack serves a diverse clientele, including banks, restaurants, gyms, and retail stores, ensuring compliance with legal music licensing. By offering professionally curated playlists and a user-friendly web control panel, Brandtrack simplifies music management for businesses, allowing them to engage customers more effectively.

Konfio

Series B in 2017
Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Nexu

Seed Round in 2017
Nexu operates a digital financing platform tailored for car dealerships. It employs artificial intelligence and automated statistical algorithms to facilitate real-time, paperless automotive loans for customers. The platform connects individuals seeking credit with financial institutions, streamlining the loan search process and enabling users to review offers at no cost.

Conekta

Series A in 2016
Conekta is a company that specializes in creating an online payment platform aimed at enhancing the security and efficiency of banking processes. Utilizing artificial intelligence, Conekta's platform integrates application programming interfaces to facilitate both online and offline payment transactions. This technology enables financial institutions to analyze transaction behavior, helping to identify and mitigate fraudulent activities. Additionally, Conekta's services are designed to be PCI-DSS certified, ensuring that banking and financial information is encrypted and safeguarded. By providing a secure environment for processing payments through various methods such as cards, cash, or bank transfers, Conekta allows businesses to accept payments simply and safely.

Ponta

Series A in 2016
Ponta is an ad tech company that specializes in connecting enterprise clients with their audiences through innovative, proprietary solutions. The company focuses on transforming traditional advertising methods by utilizing its unique technology to create new advertising opportunities, such as turning CAPTCHAs into engaging brand interactions. Ponta's offerings aim to enhance online user experiences while generating additional revenue for publishers. By prioritizing zero-ad waste strategies, Ponta effectively bridges the gap between users and brands, fostering improved online engagement and data-driven insights. Through these efforts, Ponta positions itself as a leader in the ad tech industry, dedicated to innovation and enhancing the connection between enterprises and their target audiences.

Konfio

Series A in 2016
Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Producteca

Seed Round in 2016
Producteca is a SaaS company that specializes in e-commerce management, enabling businesses to efficiently manage their online sales across multiple marketplaces. The company's platform allows users to upload and share their product catalogs with retail clients, facilitating the publication of products on various sales channels. By providing a centralized solution for inventory management, pricing, and order processing, Producteca empowers retailers to maintain control over their brand image, pricing strategies, and overall sales performance. This integration helps small businesses synchronize their operations in real-time, streamlining their online distribution and enhancing their ability to compete in the digital marketplace.

Gaudena

Venture Round in 2015
Gaudena is an e-commerce platform specializing in footwear and fashion accessories for men, women, and children. The company focuses on providing a unique customer experience through a diverse selection of shoes and clothing, coupled with efficient website functionality. Gaudena emphasizes immediacy in delivery and exceptional customer service, allowing customers to access fashion products conveniently and hassle-free. By offering a wide variety of stylish items at reasonable prices, Gaudena aims to meet the needs of fashion-conscious consumers while enhancing their online shopping experience.

Zolvers

Seed Round in 2014
Zolvers is an online and mobile marketplace that connects customers with service providers for various errands, including cleaning, delivery, and home or office maintenance. The platform enables users to outsource tasks efficiently, allowing them to manage their time more effectively. By facilitating these services, Zolvers not only assists individuals in completing household and event-related tasks but also provides freelance workers and small local businesses with opportunities to earn additional income. This flexible, on-demand service model supports both consumers seeking convenience and service providers looking to expand their work opportunities.

Konfio

Convertible Note in 2014
Konfio is a financial services platform based in Mexico City, founded in 2013, that caters to small and medium-sized enterprises (SMEs) and micro entrepreneurs. The company offers a range of financial solutions including corporate credit cards, working capital loans, online payment solutions, and life insurance products. Konfio's mission is to support the growth and productivity of SMEs in Mexico by providing convenient and affordable access to credit options. The platform uses proprietary algorithms that combine data and technology to assess creditworthiness, thereby serving customers who are often underserved by traditional banking institutions.

Nubimetrics

Convertible Note in 2014
Nubimetrics is a company based in Buenos Aires, Argentina, that specializes in e-commerce software services, particularly through its cloud-based business intelligence and analytics platform. The company processes data from various online sales channels, allowing businesses and sellers to gain deep insights into market trends and customer behavior. By providing detailed visualizations and reports, Nubimetrics enables users to monitor their business performance, competition, and industry movements effectively. This empowers e-commerce stakeholders, from marketers to larger brands, to identify opportunities and make informed decisions that can enhance their sales strategies. Additionally, its platform supports detailed monitoring for major online sellers, simplifying the processes of product publication and sales while helping them strategically position their offerings in the market.

Ponta

Convertible Note in 2014
Ponta is an ad tech company that specializes in connecting enterprise clients with their audiences through innovative, proprietary solutions. The company focuses on transforming traditional advertising methods by utilizing its unique technology to create new advertising opportunities, such as turning CAPTCHAs into engaging brand interactions. Ponta's offerings aim to enhance online user experiences while generating additional revenue for publishers. By prioritizing zero-ad waste strategies, Ponta effectively bridges the gap between users and brands, fostering improved online engagement and data-driven insights. Through these efforts, Ponta positions itself as a leader in the ad tech industry, dedicated to innovation and enhancing the connection between enterprises and their target audiences.

Conekta

Seed Round in 2013
Conekta is a company that specializes in creating an online payment platform aimed at enhancing the security and efficiency of banking processes. Utilizing artificial intelligence, Conekta's platform integrates application programming interfaces to facilitate both online and offline payment transactions. This technology enables financial institutions to analyze transaction behavior, helping to identify and mitigate fraudulent activities. Additionally, Conekta's services are designed to be PCI-DSS certified, ensuring that banking and financial information is encrypted and safeguarded. By providing a secure environment for processing payments through various methods such as cards, cash, or bank transfers, Conekta allows businesses to accept payments simply and safely.

mirlo

Mirlo, headquartered in Mexico City, specializes in streamlining mobile telephony services. It offers diverse telephone plans, helping users simplify their mobile usage and efficiently manage their telecommunications expenses.

Aviva

Aviva is an innovative digital bank focused on providing financial services to underbanked communities in Latin America, particularly targeting Mexico's population of over 40 million individuals. By leveraging artificial intelligence and video technology, Aviva aims to bridge the gap for those living in remote areas through physical onboarding kiosks. These nano-branches facilitate a seamless onboarding process, allowing customers to complete a documentless, three-minute video application for credit. Aviva’s unique approach includes using natural language processing to analyze spoken responses and assess emotional cues, which enhances its ability to evaluate thin-file customers. By employing these advanced risk models, Aviva is committed to offering unsecured credit products at competitive interest rates, thereby supporting the financial inclusion of underserved individuals and nano-businesses.
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