We Believe In and Drive For Maximum Social Impact From Our Ventures

The first digital-only bank in the Philippines. Reaching out to the 70% of the Filipinos that remain unbanked with an app that is simple, not intimidating, helps them save, all at the click of a button.

CredoLab's digital scorecards based on smartphone device data led to +170% approval rates for an Indonesian bank tapping new-to-bank customers, many of whom were previously underbanked.

With PAYG solar installed at home, this lady now has 20 additional light hours a week. She can make more striped bags to sell at the local market.

ALTERNATIVE CREDIT SCORING

Southeast Asia market leader in alternative credit scoring. Operations in 15 countries, expanding globally.

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PAY-AS-YOU-GO (PAYG) SOLAR

Southeast Asia market leader in PAYG solar for the $3 billion retail off-grid energy market. Currently in Myanma, and expanding to 4 countries across the region.

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DIGITAL CONSUMER LENDING

Fast and convenient short-term consumer loans through a mobile app to Southeast Asia’s half a billion unbanked. Operating in the Philippines under pera247 brand, expanding across Southeast Asia.

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CREDIT MANAGEMENT SERVICES (CMS)

Market leader in consumer non-performing loans (NPL), with an AI-based integrated CMS stack: CMS Outsourcing, CMS Advisory, NPL Debt Purchasing, and SaaS. Present in Vietnam, Philippines and Indonesia.

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AI-DRIVEN LEAD GENERATION

Global market leader in SaaS for property classifieds. AI-driven lead generation for real estate and retail financial services.

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ALTERNATIVE CREDIT SCORING

Southeast Asia market leader in alternative credit scoring. Operations in 15 countries, expanding globally.

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"Broadening access to finance through digital means can unlock productivity and investment, reduce poverty, empower women, and help build stronger institutions with less corruption. The benefits can transform the economic prospects of emerging economies." - McKinsey & Company, Digital Finance For All (2016)

Enabling Financial Inclusion
Reducing Credit Risk
Promoting Sustainable Finance