Our platform redefines traditional banking by merging it with social dynamics to create Social Banking, a term we’ve innovated. By combining trusted relationships, group collaboration, and transparency, we’ve built a financial ecosystem that fosters inclusion and trust.
Using financial and mobile technologies, we scale these experiences to empower individuals and groups, enabling them to save, invest, and access credit in ways that are impactful, seamless, and community-driven. in ways that are impactful, seamless, and community-driven.
We adopt proven products—such as savings, table banking, unit trusts, and insurance—and enhance their accessibility and efficiency. These models, while effective, often fail to reach underserved populations.
Our platform bridges this gap by integrating these services into our ecosystem, ensuring they work seamlessly for everyone. By refining and distributing what already works, we bring trusted financial tools to communities traditionally left out of the formal economy.
We integrate mobile money and banking APIs to streamline user experiences, ensuring our platform enhances rather than replaces what already works. These integrations simplify transactions and make financial services accessible to more users.
We leverage these technologies to provide seamless, efficient, and secure financial services, ensuring our platform enhances rather than replaces what already works.
Social Capital is at the heart of our loan model, using the strength of community ties as collateral. This approach encourages group accountability and repayment while fostering trust and collaboration.
By leveraging the power of community, we create a supportive environment where individuals can access credit, savings, and investment opportunities, fostering financial inclusion and growth.
Our platform is built on mobile platforms, ensuring it is accessible and usable on the go. This allows us to serve our customers from anywhere, without the need for on-the-ground presence.
Our mobile platform is designed to be user-friendly, secure, and efficient, ensuring our customers can access financial services anytime, anywhere, and on any device through SMS/USSD, WhatsApp or Telegram.
We are licensed as a Digital Service Provider (DSP) by the Central Bank of Kenya (CBK) and are compliant with the Financial Reporting Center (FRC) regulations. We ensure that all transactions are conducted with integrity and full compliance with applicable laws and industry standards.
We are licensed as Data Controllers and Data Processors by the Office of the Data Protection Commission (ODPC). We prioritize compliance, confidentiality, and transparency, ensuring all user information remains secure, private, and responsibly managed.
Our platforms are accessible seamlessly across multiple channels, including SMS, USSD, WhatsApp and Telegram. Our omnichannel approach ensures financial services are available to everyone, from smartphone users to those relying on basic mobile phones, without barriers.
We have partnered with Africa’s largest cooperative bank to ensure our products and services are accessible anywhere in Kenya. From urban centers to rural communities, we ensure financial inclusion by leveraging the bank’s extensive network and infrastructure.
We are solving a tough problem, where our typical customer is unbanked with little or no credit history. We collect alternative data from various sources to assist in assesing the credit risk of our customer.