International Finance Corporation

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Kommunalkredit Austria AG specializes in infrastructure and energy financing, primarily serving public entities and institutional investors across Europe and internationally. The company facilitates project structuring and financing for a variety of sectors, including social infrastructure, transport, and energy. Its portfolio encompasses care homes, educational facilities, commuter transport systems, and energy conservation initiatives. Additionally, Kommunalkredit Austria provides consulting services in energy supply, water management, and remediation of contaminated sites. It supports municipalities, public-sector enterprises, and private project sponsors with financing solutions and investment management. Founded in 1958 and headquartered in Vienna, Austria, the company was previously known as Kommunalkredit Depotbank AG before rebranding in 2009. It operates under the ownership of Gesona Beteiligungsverwaltung GmbH.

UniCredit Romania is a commercial bank headquartered in Bucharest, Romania, established in 2007. The bank offers a range of financial services, including leasing for corporations, consumer financing, and integrated business solutions. Additionally, it provides services to insurance brokers, enhancing the financial ecosystem in which it operates. UniCredit Romania also focuses on digital banking, offering online and mobile banking services to meet the evolving needs of its clients.

Arab African International Bank is a banking institution based in Cairo, Egypt, offering a wide range of financial services. These services include personal and commercial banking, credit cards, payroll solutions, consumer finance, and business loans for small enterprises. The bank aims to meet the diverse financial needs of its clients by providing tailored solutions in corporate finance and wealth management. Through its comprehensive service offerings, Arab African International Bank supports both individual and business clients in achieving their financial goals.

Profectus Capital offers financing solutions specifically designed for small and medium-sized enterprises (SMEs) in the manufacturing and service sectors. The company specializes in providing term loans, working capital loans, and financing for machinery and equipment, allowing clients to access tailored and cost-effective loan options. By leveraging technology, Profectus Capital streamlines the loan processing experience, reducing documentation requirements and accelerating lending decisions. This approach enables SMEs to address their needs for capacity expansion, modernization, and supply chain funding effectively.

Bajaj Auto Finance is a non-bank finance company that provides retail loans across categories including two wheelers, consumer durables, existing property and unsecured personal loans. The company is a subsidiary of Bajaj Auto, one of largest two wheeler manufacturers, both in India and globally.

Zepz is an online service that facilitates international money transfers, allowing users to send funds to friends and family living abroad through various digital platforms such as computers, smartphones, or tablets. It provides a convenient and cost-effective alternative to traditional money transfer methods, which often involve high fees and in-person agents. Zepz enables recipients to receive money through several options, including bank deposits, cash pickups, mobile money accounts, or mobile airtime top-ups. The service is accessible to senders in 50 countries and supports transfers to over 140 destinations across Europe, Asia, Africa, Australia, and the Americas, effectively catering to a global customer base.

First Circle, founded in 2015 and based in Taguig, Philippines, specializes in providing financing solutions for small and medium enterprises (SMEs) across Southeast Asia. The company offers a range of services, including consumer lending, mortgages, and asset-based lending, with a focus on short-term loans that are collateral-free. First Circle aims to support business owners in their growth endeavors by leveraging advanced technology, data analytics, and a user-friendly online platform. Additionally, the company provides dedicated customer support and resources to foster a community of business owners, ultimately enhancing opportunities for SMEs to thrive.

Golomt Bank provides banking and financial services.

Bank of Palestine is a prominent financial institution operating in Palestine, focusing on a diverse range of banking services. Its main business segments include retail banking, corporate banking, and treasury services. The retail banking segment is the bank's primary revenue generator, offering services such as consumer loans, overdrafts, credit card facilities, and managing individual customer deposits. In the corporate banking sector, Bank of Palestine caters to corporate and institutional clients by providing loans, credit facilities, and deposit accounts. Additionally, the bank's treasury services encompass trading and other treasury-related activities, contributing to its overall financial operations. Through these comprehensive offerings, Bank of Palestine aims to meet the diverse financial needs of its individual and corporate customers.

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.

TerraPay is a mobile-first international payment network designed to facilitate seamless transnational money transfers. By interconnecting various financial service providers, including mobile wallet operators, banks, and money transfer services, TerraPay creates a unified platform that supports a wide range of transactions such as interpersonal transfers, e-payments, and government disbursements. The network employs standard open APIs, allowing easy integration with any mobile wallet provider. This enables partners to access a global payment network through a single connection, enhancing service scalability while reducing operational and capital expenditures. As a regulated financial intermediary, TerraPay not only manages core transaction processing but also ensures compliance with regulatory standards, oversees foreign exchange management, and handles fund settlements, thereby providing a comprehensive solution for cross-border mobile payments.

First Circle, founded in 2015 and based in Taguig, Philippines, specializes in providing financing solutions for small and medium enterprises (SMEs) across Southeast Asia. The company offers a range of services, including consumer lending, mortgages, and asset-based lending, with a focus on short-term loans that are collateral-free. First Circle aims to support business owners in their growth endeavors by leveraging advanced technology, data analytics, and a user-friendly online platform. Additionally, the company provides dedicated customer support and resources to foster a community of business owners, ultimately enhancing opportunities for SMEs to thrive.

HDFC Bank, founded in 1994 and headquartered in Mumbai, India, is a prominent commercial banking institution that provides a comprehensive range of personal and business banking services. Its offerings include savings and current accounts, private banking, insurance, and various digital banking solutions such as internet and mobile banking. The bank serves diverse sectors, including energy, healthcare, manufacturing, and e-commerce, demonstrating its commitment to catering to a wide array of customer needs. HDFC Bank has gained recognition as India's Most Valuable Brand for five consecutive years, reflecting its significant impact on the banking industry and its goal to become a leading financial institution in India. The bank aims to enhance profitability while maintaining a prudent approach to risk management, positioning itself as a trusted provider of banking services for both retail and wholesale customers.

M Bank is a digital bank that offers financial services, accounting, risk management, and compliance services.

Salmon operates a financial services platform that integrates technology with the financial industry to enhance customer experience. The company aims to provide an inclusive and efficient financial service, making money management accessible and less intimidating for diverse clients, including farmers, teachers, and office workers. By leveraging technology, product design, and data analytics, Salmon focuses on delivering seamless and secure financial solutions that empower individuals to achieve greater financial freedom. The platform is designed to alleviate the complexities often associated with financial services, allowing customers to prioritize what matters most in their lives. Through its commitment to customer care and innovative service delivery, Salmon is positioned to transform the financial landscape for millions of Filipinos.

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.

Banque du Caire is a banking company that specializes in providing BDC online banking, phone banking, and mobile banking app. The company was founded in 1952 and headquartered in Al Qahirah, Egypt.

Banque de Crédit de Bujumbura is a full-service bank serving individuals and businesses as its customers.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Ipak Yuli Bank is a private commercial bank located in Uzbekistan, offering a range of financial services to individuals, small and medium-sized businesses, and large corporations. The bank's operations encompass retail, commercial, and corporate banking activities, including loans, guarantees, deposit-taking, and securities operations. Additionally, Ipak Yuli Bank facilitates foreign exchange operations and money transfers. With a network of 16 branches and 36 express centers spread across eight regions of Uzbekistan, the bank aims to provide accessible and comprehensive financial solutions to its diverse clientele.

IIFL Finance Ltd is a financial services company based in India, primarily engaged in providing a range of lending solutions, including home loans, gold loans, business loans, and microfinance options. The company operates through two main business units: core products, which encompass its primary lending services, and synergistic products, which include operations related to capital markets, construction, and real estate. Additionally, IIFL Finance offers small ticket-sized home loans and secured loans for micro, small, and medium enterprises (MSMEs), along with project loans. The firm’s diversified business model also extends to wealth management, financial product distribution, and investment banking services, enabling it to generate all its revenue within the domestic market.

Commercial International Bank (CIB), established in 1975 and headquartered in Cairo, Egypt, is a leading financial services provider that offers a wide range of banking products and services. The bank caters to both individual and corporate clients, providing services such as deposits, savings accounts, loans, private banking, and e-banking. CIB has built a strong reputation among Egypt's largest corporations, positioning itself as a preferred banking partner. In addition to retail banking, CIB offers an array of corporate banking solutions, including project finance, structured products, working capital finance, and letters of credit. With a focus on high operating standards and corporate governance, CIB has maintained its status as the most profitable commercial bank in Egypt for over four decades, while also aiming to capitalize on the growing retail and small to medium-sized enterprise (SME) banking markets.

PT Bank BTPN Tbk, headquartered in South Jakarta, Indonesia, provides a wide range of banking products and services to diverse customer segments, including retail clients, micro, small, and medium enterprises (MSMEs), and corporations. Founded in 1958, the bank operates through several segments: Retail, MSME, Funding and Treasury, Corporate, and Sharia. Its offerings include savings and current accounts, time deposits, investment products, and various types of loans such as working capital loans, project financing, and employee credit facilities. Additionally, the bank delivers transaction banking services, including treasury solutions, cash management, and remittance services. As a subsidiary of Sumitomo Mitsui Banking Corporation, PT Bank BTPN Tbk is positioned to effectively serve its customers across the Indonesian market.

Interbank Burundi is a financial institution that offers finance and banking services.

TerraPay is a mobile-first international payment network designed to facilitate seamless transnational money transfers. By interconnecting various financial service providers, including mobile wallet operators, banks, and money transfer services, TerraPay creates a unified platform that supports a wide range of transactions such as interpersonal transfers, e-payments, and government disbursements. The network employs standard open APIs, allowing easy integration with any mobile wallet provider. This enables partners to access a global payment network through a single connection, enhancing service scalability while reducing operational and capital expenditures. As a regulated financial intermediary, TerraPay not only manages core transaction processing but also ensures compliance with regulatory standards, oversees foreign exchange management, and handles fund settlements, thereby providing a comprehensive solution for cross-border mobile payments.

Produbanco - Grupo Promerica is Offer financial services and products that respond to the local needs of our clients, in a dynamic, accessible and close way, based on a relationship of mutual trust.

Prime Bank, is a local commercial bank in Bangladesh.

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

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

KLYM is a financial services platform operating in Latin America, specializing in digital financial solutions for businesses. The platform provides various financing options, including working capital financing, purchase order financing, and vendor financing. By streamlining the financing process, KLYM enables companies to access the capital they need quickly and efficiently, with approvals typically granted in less than an hour. This innovative approach allows businesses to secure funding without the complexities associated with traditional banking institutions, thereby facilitating their growth and operational efficiency.

Home First Finance Company (HFFC) is a dedicated Housing Finance Company. HFFC is focused on providing housing loans to buyers of affordable housing priced between Rs. 5 lakhs and Rs. 30 lakhs. These customers are unable to avail loans from existing Banks and HFCs due to various factors First time buyers of affordable homes, are likely to have a number of queries regarding various aspects of the home purchase process including obtaining a loan, eligibility, documentation, repayment and so on. Some consumers may have questions about ownership, registration and others that are not directly related to financing. We address these apprehensions and handhold such consumers, as they make their journey towards owning their home.

HDFC Bank, founded in 1994 and headquartered in Mumbai, India, is a prominent commercial banking institution that provides a comprehensive range of personal and business banking services. Its offerings include savings and current accounts, private banking, insurance, and various digital banking solutions such as internet and mobile banking. The bank serves diverse sectors, including energy, healthcare, manufacturing, and e-commerce, demonstrating its commitment to catering to a wide array of customer needs. HDFC Bank has gained recognition as India's Most Valuable Brand for five consecutive years, reflecting its significant impact on the banking industry and its goal to become a leading financial institution in India. The bank aims to enhance profitability while maintaining a prudent approach to risk management, positioning itself as a trusted provider of banking services for both retail and wholesale customers.

Banistmo S.A. is a prominent banking institution based in Panama City, Panama, offering a comprehensive range of banking products and services to individual and legal entities, as well as small and medium-sized enterprises (SMEs). The company's operations are divided into Consumer and SMEs Banking, and Corporate and Government Banking segments. Banistmo provides checking and savings accounts, fixed term deposits, and a variety of loans including personal, vehicle, mortgage, and commercial loans. Additionally, it offers services such as cash handling, investment banking, trust and fiduciary administration, financial leasing, payment agency, brokerage, and securities trading. Founded in 2004 and formerly known as HSBC Bank (Panama) S.A., Banistmo changed its name in October 2013 and is a subsidiary of Bancolombia, S.A.

FSDH Merchant Bank is a full-service financial institution that offers a range of corporate and investment banking solutions tailored for medium to large corporations and structured businesses. As part of FSDH Holding Company, the bank specializes in various financial services, including wealth management, stockbroking, fixed-income trading, pension fund management, foreign currency trading, and treasury sales. It aims to facilitate clients in achieving their financial objectives through comprehensive corporate banking and investment trading services. By operating across borders and time zones, FSDH Merchant Bank seeks to create value for its shareholders while meeting the diverse needs of its clientele.

Airtel Africa Plc is a telecommunications company that offers a range of services, including mobile voice, data communication, and mobile money solutions across Nigeria, East Africa, and Francophone Africa. The company provides both prepaid and postpaid wireless voice services, international roaming, and fixed line telephone services. Its mobile money services encompass various financial solutions such as payment systems, microloans, savings, and international money transfers. Established in 2018 and headquartered in London, Airtel Africa aims to make mobile communications accessible and affordable, thereby contributing to economic and social development in the regions it serves. As of March 2020, the company catered to approximately 110.6 million customers, with significant revenue generated from its operations in Nigeria. Airtel Africa is a subsidiary of Airtel Africa Mauritius Limited and is committed to extending its network reach, particularly in rural areas, as part of its community development initiatives.

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

Avanse Financial Services Limited is a non-banking financial company based in Mumbai, India, specializing in education financing for students. Established in 1992, the company provides a range of financial solutions including loans for higher education in India and abroad, e-learning initiatives, and vocational training programs. Avanse also offers loans to educational institutions to support their operational and growth needs. The company's goal is to ensure that deserving students have access to affordable financing options to cover course fees and living expenses, without a cap on the loan amount. By leveraging technology, Avanse aims to streamline the loan application process and enhance access to education-related financial support across the entire educational ecosystem, from pre-school to post-graduation.

İşbank was founded by Great Leader Mustafa Kemal Atatürk on the date of 26.08.1924. In the 91 years since its foundation, the Bank has made significant contributions to our country and taken various parts in their country’s development in many different fields, particularly in industry and trade. By the end of 2015, as the largest private bank in Turkey that has more than 25 thousand employees; around 1,400 local and overseas branches; the largest Bankamatik network in Turkey consisting of over 6,000 Bankamatiks; mobile banking, internet banking, telephone banking, and call center services, İşbank has provided its clients with access to banking services in the fastest way possible, and with the opportunity to choose, from a very wide range of financial products, the most convenient ones offered to them by the Bank and its affiliates.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a multinational financial group headquartered in Madrid, Spain, founded in 1857. The bank offers a wide range of services, including retail and wholesale banking, asset management, and private banking. Its offerings encompass current and savings accounts, loans, credit cards, and investment products. BBVA also engages in corporate and investment banking, providing services such as mergers and acquisitions, debt capital markets, and financial advisory. The bank operates in various regions, including Spain, Mexico, South America, the United States, Turkey, and parts of Asia-Pacific and Europe. Through its subsidiaries, BBVA serves individuals, small to medium-sized enterprises, and institutional clients, leveraging its significant size and geographic diversification to enhance its financial capabilities and risk management.

Banco BV is a private banking sector that provides financial and banking services to make people's lives and businesses simple. They are the leaders in credit and operate in the wholesale market with solutions for corporate & investment banks, private banks, and structured funds with asset management. It is a financial establishment that offers treasury, corporate investment banking, middle-market lending, consumer finance, and other services.

Wave Mobile Money provides an app-based financial solution to save, transfer, and borrow money. Wave Mobile Money is on a mission to make Africa the first cashless continent. On a continent where less than 10% of the population has a bank account, Wave is building the first modern financial network — no account fees, instantly available, and accepted everywhere! It is building life-changing financial infrastructure. When mobile money succeeded in Kenya, it lifted about a million people out of poverty. And yet, over 10 years later, most Africans still lack access to affordable ways to save, transfer or borrow the money they need to build businesses or provide for their families. Wave is solving this problem by using technology to build a radically inclusive and extremely affordable financial network.

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.

Equity Bank Kenya is a financial services provider headquartered in Nairobi, Kenya. It is licensed as a commercial bank by the central bank of Kenya, the central bank, and national banking regulator. Equity Bank Kenya Limited was incorporated in 2014 as a result of the corporate restructure of Equity Group Holdings Limited.

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.

HDBank, established in 1990, is one of the pioneering joint-stock commercial banks in Vietnam and has become a leading financial institution in the country. With over three decades of experience, HDBank offers a comprehensive range of banking and financial services tailored for individuals, businesses, and investors. The bank is recognized for its strong financial capacity and commitment to modern technology, which supports its operations and enhances customer service. As HDBank continues to expand its footprint, it is also looking to grow its presence in international markets.

Kobo360 is a tech-enabled digital logistics platform that aggregates end-to-end haulage operations to help cargo owners, truck owners, and drivers, and cargo recipients to achieve an efficient supply chain framework. Through an all-in-one robust logistics ecosystem, Kobo uses big data and technology to reduce logistics frictions, empowering rural farmers to earn more by reducing farm wastages and helping manufacturers of all sizes to find new markets. Kobo enables unprecedented efficiency and cost reduction in the supply chain, providing 360-visibility while delivering products of all sizes safely, on time and in full. The Kobo mission is to build the Global Logistics Operating System that will power trade and commerce across Africa and Emerging Markets. The company is also preparing to enter the agro-trading space by creating a marketplace that links farmers with buyers all over the world. The marketplace will effectively eliminate the high cost of middlemen for smallholder farmers and significantly improve profits. Ife Oyedele ll and Obi Ozor founded it in 2017 and is headquartered in Lagos, Nigeria.

Arquivei is a web application that monitors NFes issued for CNPJ, automatically downloads the XML and PDF files, and stores them in the cloud. It works by reading digital certificates and does not require any software installations on the machines. Its panel allows users to view, print, search, and filter by period, supplier, and various other criteria for NFE, NFSe, and ES cells. Arquivei for businesses connects to the Department of Finance, automatically downloads NFes issued for the CNPJ of companies, and stores them in XML and DANFE on Note Management Panel; keeps all invoices before the product arrives; and offers reports, filters, and intelligent search for any content of the notes. It offers accountants with the Panel access to invoices of clients who are in Arquivei; enables them to monitor and centralize tax documents such as NFes, STCs, and NFSes Ginfes on Note Management Panel; and offers filters and intelligent search on any content of the notes. Arquivei is operated from São Carlos, Brazil.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Absa is a prominent financial services provider based in Johannesburg, South Africa, offering a wide range of banking products and services to personal, commercial, and corporate clients. Its personal banking services include savings and current accounts, credit cards, investment products, home loans, vehicle and asset finance, personal loans, and various insurance options. For businesses and corporations, Absa provides services such as commercial property finance, corporate asset financing, structured trade and commodity finance, and employee benefit solutions. The bank also supports sectors like agriculture, tourism, and public services through specialized financing solutions. Founded in 1991, Absa operates as a subsidiary of Barclays Africa Group Limited and is committed to delivering tailored financial solutions that address local needs while creating value for its stakeholders.

Wave Mobile Money provides an app-based financial solution to save, transfer, and borrow money. Wave Mobile Money is on a mission to make Africa the first cashless continent. On a continent where less than 10% of the population has a bank account, Wave is building the first modern financial network — no account fees, instantly available, and accepted everywhere! It is building life-changing financial infrastructure. When mobile money succeeded in Kenya, it lifted about a million people out of poverty. And yet, over 10 years later, most Africans still lack access to affordable ways to save, transfer or borrow the money they need to build businesses or provide for their families. Wave is solving this problem by using technology to build a radically inclusive and extremely affordable financial network.

Commercial International Bank (CIB), established in 1975 and headquartered in Cairo, Egypt, is a leading financial services provider that offers a wide range of banking products and services. The bank caters to both individual and corporate clients, providing services such as deposits, savings accounts, loans, private banking, and e-banking. CIB has built a strong reputation among Egypt's largest corporations, positioning itself as a preferred banking partner. In addition to retail banking, CIB offers an array of corporate banking solutions, including project finance, structured products, working capital finance, and letters of credit. With a focus on high operating standards and corporate governance, CIB has maintained its status as the most profitable commercial bank in Egypt for over four decades, while also aiming to capitalize on the growing retail and small to medium-sized enterprise (SME) banking markets.

Housing Development Finance Corporation Limited, established in 1977 and based in Mumbai, India, specializes in providing housing finance solutions to individuals and corporate clients. The company offers a wide range of loan products, including those for purchasing and constructing homes, as well as loans for home improvement, land acquisition, and commercial properties. It also caters to specific client needs by offering loans to agriculturists and non-resident Indians. In addition to its core lending services, the corporation provides various cross-selling products, including life and general insurance, investment advisory services, and asset management. With a network of 585 outlets and representative offices in key international cities, the firm aims to enhance resource flow to the housing sector by integrating housing finance with domestic financial markets.

Klar is a digital platform that functions as a challenger bank, offering deposit and credit services primarily for customers in Mexico. The company provides instant credit along with no-commission cashback and withdrawal options through its card and mobile application. By doing so, Klar aims to provide secure and cost-effective alternatives to traditional credit and debt services, catering to the needs of its users.

Tanzania Mortgage Refinance Company is a private sector financial institution with the sole purpose of supporting. Their services includes client charter, featured services, refinancing circle, funding and pricing, mode of operation, laws, and regulations.

Konfio is a financial services platform based in Mexico City that focuses on providing online financial solutions for small and medium-sized enterprises (SMEs) and micro-entrepreneurs. Founded in 2013, the company offers a range of products including fixed-rate loans, working capital loans, corporate credit cards, and payment solutions, as well as life insurance and personal debt transfer services. Konfio utilizes a proprietary algorithm that leverages data and technology to assess creditworthiness, enabling access to credit for clients who have been underserved by traditional banking. By offering competitive rates and convenient services, Konfio aims to enhance the growth and productivity of SMEs in Mexico.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Open Co thinks that creating trusting relationships with clients is more important than using cutting-edge technology to create ground-breaking credit solutions. Open Co was established in 2021 as the result of the merger of Geru and Rebel, two of Brazil's most cutting-edge fintech lenders. The company's goal is to permanently turn credit into a more equitable, adaptable, and accessible tool that improves Brazilians' financial situations.

BRAC Bank Limited provides various commercial banking products and services in Bangladesh. The company offers retail, wholesale, small and medium enterprises (SME), and Probashi banking products and services. It provides various deposit products, such as current accounts, fixed deposits, SME deposits, savings accounts, and term deposits. The company also offers loan portfolio comprising personal loans, auto loans, home loans, and secured loans/overdrafts.

Contabilizei is an online accounting service that caters to small and micro enterprises, providing a cost-effective solution to traditional accounting practices. Founded in January 2014 by Fábio Bacarin and Vitor Torres, the company is headquartered in Curitiba, Brazil. Its platform automates tax reporting and accounting processes, allowing businesses to manage their financial activities more efficiently. By leveraging proprietary technology, Contabilizei aims to simplify accounting for small and medium-sized businesses, thereby enhancing their operational capabilities and contributing positively to their growth.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Prime Bank, is a local commercial bank in Bangladesh.

Klar is a digital platform that functions as a challenger bank, offering deposit and credit services primarily for customers in Mexico. The company provides instant credit along with no-commission cashback and withdrawal options through its card and mobile application. By doing so, Klar aims to provide secure and cost-effective alternatives to traditional credit and debt services, catering to the needs of its users.

Union Bank of Nigeria Plc. is a retail and commercial bank with its headquarters located in the central business district of Lagos, Nigeria.

Collectius Group is a multinational credit management service and asset management company with operations in the Philippines, Singapore, Malaysia and Thailand, with nearly two decades of experience in credit management service and purchase of non-performing loan (NPLs) portfolios of distressed consumer debt. Collectius is funded through its Swiss holding company in Zug, and its largest financier is Stena, which is a Swedish shipping company conglomerate.

Equity Bank Kenya is a financial services provider headquartered in Nairobi, Kenya. It is licensed as a commercial bank by the central bank of Kenya, the central bank, and national banking regulator. Equity Bank Kenya Limited was incorporated in 2014 as a result of the corporate restructure of Equity Group Holdings Limited.

Access Bank, established in 1988 and headquartered in Lagos, Nigeria, is a commercial bank that offers a wide range of banking products and services to individual and business customers. The bank operates in Ghana and provides various accounts, including standard savings and current accounts, as well as specialized options such as access advantage and premier accounts. Access Bank also offers online banking services, facilitating ATM transactions, online access, point-of-sale terminal services, bill payments, and Western Union money transfers. In addition to personal banking, the bank provides corporate and investment banking, commercial and business banking services, along with mortgage loans and sustainable international banking solutions.

Zenith Bank is a prominent commercial bank established in May 1990, commencing operations in July of the same year. It provides a wide array of specialized financial services, including asset management, trade finance, lending, and treasury products. The bank offers various account types such as domestic and foreign accounts, corporate current accounts, and savings accounts, alongside treasury and custodian services. Zenith Bank became a public limited company in June 2004 and was subsequently listed on the Nigerian Stock Exchange later that year, marking a significant milestone in its growth. Today, it is recognized as Nigeria's largest bank by tier-1 capital, with a diverse shareholder base of approximately one million.

Figopara is a financial technology company that offers a supplier finance platform aimed at improving short-term financing for businesses. The platform allows customers to discount their e-invoices before they are due by leveraging offers from financial institutions. This service enables buyers to extend their payment terms easily, while suppliers can access their post-paid receivables immediately, thus enhancing their cash flow. By providing secure and relevant information about the customer's financial associations, Figopara facilitates a smoother transaction process, ultimately helping clients increase their working capital and profitability.

Yoma Bank Limited is a leading domestic bank based in Yangon, Myanmar, established in 1993. The bank offers a range of banking products and services aimed at meeting the needs of its customers. It has made substantial investments in key areas such as technology, people, and corporate governance to enhance its operational capabilities. Recently, Yoma Bank has focused on upgrading its credit risk management and finance functions, improving treasury operations, and developing new banking products. Additionally, the bank has implemented a new core banking system to streamline its processes and better serve its clientele.

TerraPay is a mobile-first international payment network designed to facilitate seamless transnational money transfers. By interconnecting various financial service providers, including mobile wallet operators, banks, and money transfer services, TerraPay creates a unified platform that supports a wide range of transactions such as interpersonal transfers, e-payments, and government disbursements. The network employs standard open APIs, allowing easy integration with any mobile wallet provider. This enables partners to access a global payment network through a single connection, enhancing service scalability while reducing operational and capital expenditures. As a regulated financial intermediary, TerraPay not only manages core transaction processing but also ensures compliance with regulatory standards, oversees foreign exchange management, and handles fund settlements, thereby providing a comprehensive solution for cross-border mobile payments.

Currencycloud is a global payments platform that simplifies cross-border transactions and foreign exchange automation for businesses. It provides developers with API building blocks to create tailored payment solutions, allowing companies to integrate payment infrastructure into their products and services seamlessly. The platform offers automated end-to-end processes for sending and receiving payments, as well as services for currency collection and conversion. By handling the complexities and regulatory requirements associated with international payments, Currencycloud enables clients to adopt digital wallets and embed financial services into their operations, regardless of their industry.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Navi is a Bengaluru-based firm helping build consumer-centric businesses in the BFSI (Banking, Financial Services & Insurance) space.

Kobo360 is a tech-enabled digital logistics platform that aggregates end-to-end haulage operations to help cargo owners, truck owners, and drivers, and cargo recipients to achieve an efficient supply chain framework. Through an all-in-one robust logistics ecosystem, Kobo uses big data and technology to reduce logistics frictions, empowering rural farmers to earn more by reducing farm wastages and helping manufacturers of all sizes to find new markets. Kobo enables unprecedented efficiency and cost reduction in the supply chain, providing 360-visibility while delivering products of all sizes safely, on time and in full. The Kobo mission is to build the Global Logistics Operating System that will power trade and commerce across Africa and Emerging Markets. The company is also preparing to enter the agro-trading space by creating a marketplace that links farmers with buyers all over the world. The marketplace will effectively eliminate the high cost of middlemen for smallholder farmers and significantly improve profits. Ife Oyedele ll and Obi Ozor founded it in 2017 and is headquartered in Lagos, Nigeria.

PNBHFL provides housing loans to individuals and corporate bodies for construction, purchase, repair and up-gradation of houses. It also provides loans for commercial space, loan against property and loan for purchase of residential plots.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

LulaLend is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

Afluenta S.A., founded in 2008 and headquartered in Buenos Aires, Argentina, operates a peer-to-peer lending platform that connects borrowers and investors across Latin America. As the first marketplace lending company in the region, Afluenta facilitates loans for consumers and small to medium-sized enterprises, enabling borrowers to access more favorable rates than those offered by traditional financial institutions. Investors benefit from competitive yields on their funds, with net yields exceeding 20% in recent years. The company has expanded its operations to Argentina, Mexico, and Peru, with plans for further growth in Colombia and Brazil. Afluenta's automated platform streamlines the lending process, encompassing credit assessment, risk scoring, loan servicing, and a secondary market for trading loans, thereby enhancing liquidity for investors.

Sohan Lal Commodity Management Pvt Ltd specializes in agricultural commodity warehouse management and procurement services. Founded in 1971 and based in New Delhi, the company offers a comprehensive range of solutions, including commodity warehousing, agriculture financing, and collateral management. It also provides risk mitigation and analytical services, supported by its Commodity Market Intelligence division, which conducts crop surveys and studies. Additional services include quality testing, fumigation, pest control, and commodity certification. Sohan Lal serves a diverse clientele, including farmers, processors, millers, traders, and government entities, facilitating access to technology-driven logistics and storage solutions. The company has expanded its operations beyond India to Myanmar, reinforcing its position as a key player in the agri-logistics sector.

Orient Commercial Joint Stock Bank is a commercial bank based in Vietnam, operating more than 85 branches across 18 provinces. With a workforce of over 1,700 dedicated employees, the bank has demonstrated its ability to thrive in a competitive financial market over the past 15 years. Orient Commercial offers a variety of services, including deposit facilities, loans, insurance products, money transfer services, and corporate banking solutions, catering to the diverse needs of its growing customer base.

Contabilizei is an online accounting service that caters to small and micro enterprises, providing a cost-effective solution to traditional accounting practices. Founded in January 2014 by Fábio Bacarin and Vitor Torres, the company is headquartered in Curitiba, Brazil. Its platform automates tax reporting and accounting processes, allowing businesses to manage their financial activities more efficiently. By leveraging proprietary technology, Contabilizei aims to simplify accounting for small and medium-sized businesses, thereby enhancing their operational capabilities and contributing positively to their growth.

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

Provider of banking services based in Jakarta, Indonesia. The company offers a complete range of financial services such as loan processing, savings and current bank accounts, e-banking, remittance, priority banking, fund transfers, loan services and online payment processing.

Mahindra and Mahindra Financial Services Limited (MMFSL) commenced its journey in the rural non-banking finance industry. And with that was born a vision to transform rural and semi-urban India into a self-reliant, flourishing landscape. Since then, we have come a long way, empowering millions of ambitious individuals with personalised finance for a wide range of vehicles, home development requirements and many other diverse endeavours – all to help them live their dreams and Rise in life. At Mahindra Finance, we are guided by a firm belief in people, their dreams, and their potential to achieve those dreams. Hence, our socially inclusive business model facilitates loans to customers based not on their current financial status, but their future earning capacity. This philosophy has instilled a sense of confidence in the minds of rural and semi-urban India – a confidence that allows them to believe that no dream is too big. Today, as one of the leading non-banking finance companies, we are proud to have touched over 3 million lives. During the course of our journey, apart from emerging as the top tractor financer in India, we have constantly strived towards developing skill sets of the local population. Which is why, we provide employment to over 16,000 people in over 1000+ branches across India. This not only ensures equal growth opportunity for all, but also enables us to serve our customers better through local understanding and expertise. So be it a humble farmer or a budding entrepreneur – we are committed to empower every individual with resources to help their dreams see the light of day.

Konfio is a financial services platform based in Mexico City that focuses on providing online financial solutions for small and medium-sized enterprises (SMEs) and micro-entrepreneurs. Founded in 2013, the company offers a range of products including fixed-rate loans, working capital loans, corporate credit cards, and payment solutions, as well as life insurance and personal debt transfer services. Konfio utilizes a proprietary algorithm that leverages data and technology to assess creditworthiness, enabling access to credit for clients who have been underserved by traditional banking. By offering competitive rates and convenient services, Konfio aims to enhance the growth and productivity of SMEs in Mexico.

HDB Financial Services, established in 2007 and headquartered in Mumbai, India, is a non-banking financial company that offers a range of financial products including personal loans, business loans, loans against property, and various consumer loans. As a subsidiary of HDFC Bank, the company also provides back-office services such as form processing, document verification, finance and accounting, and correspondence management. Additionally, HDB Financial Services manages front-office operations that encompass contact center management, outbound marketing, and collection services, catering to diverse financial needs in the market.

Bizongo is a technology-driven B2B e-commerce and supply chain platform that specializes in packaging, textiles, apparel, and other custom-made products. Founded in 2015 by IIT graduates Aniket Deb, Sachin Agrawal, and Ankit Tomar, the company aims to transform the fragmented and disorganized market of customized goods. With a network of over 1,500 curated manufacturers, Bizongo offers services such as digital vendor management, supply chain automation, and financing solutions. These services help businesses overcome challenges related to inventory management, reduce operational costs, and streamline contract management, thus enhancing efficiency in the production of made-to-order products.

Oway, Inc. is a travel agency based in Yangon, Myanmar, founded in 2012. The company operates an online platform that allows users to book a variety of travel services, including flights, hotels, car rentals, and tours. Oway caters to both business travelers and consumers, offering solutions that include corporate travel management, visa assistance, and event planning. Additionally, the company provides taxi-hailing and e-payment services through its mobile application and website, facilitating efficient travel for its clients. With a comprehensive inventory and multiple payment options, Oway aims to enhance the travel experience for local and international customers.

Radana Bhaskara Finance is a financial services platform focusing more on motorcycle financing activities for both new and used motorcycles, used four-wheeled financing as well as multipurpose financing. The Company is currently headquartered in Jakarta with its branch offices spread across Java and Sumatra. As of November 30, 2015, the number of Branch Offices of the Company amounts to 49 Branch Offices.

An Binh Commercial Joint Stock Bank is a commercial bank based in Ho Chi Minh City, Vietnam, established in 1993. The bank offers a range of consumer and corporate banking services. For consumers, it provides various savings options, including term and non-term deposits, as well as loans for consumption, home renovation, car purchases, and education. On the corporate side, the bank offers commercial financing solutions, including import and export financing, SME financing, and loans for fixed asset investments. Additionally, it provides business banking services such as demand and term deposit accounts, e-banking, and payment services. An Binh Bank serves a diverse clientele through its transaction offices across Vietnam.

BBS is a financial institution whose principal business is residential and commercial property finance. BBS mission is to provide affordable property finance and attractive investment returns through efficient utilization of resources in the spirit of teamwork for the benefit of our stakeholders. Our vision is to be the premier provider of property finance and attractive investment returns in Botswana.

Guiabolso is a Brazilian fintech company established in 2014 that aims to transform the financial landscape through Open Banking. The company offers an app that serves over 6 million users, providing granular financial data and solutions for consolidated financial management. Users can access a curated marketplace of financial products and utilize instant payment capabilities. Guiabolso also delivers unique segmenting and scoring functionalities for its corporate partners. It stands out as the only Brazilian company with a fully operational end-to-end Open Banking solution for B2B clients, which includes advanced analytics, a white-label marketplace, and personal financial management tools. Founded by Thiago Alvarez and Benjamin Gleason, Guiabolso focuses on leveraging innovative technology to enhance financial well-being and improve the lives of consumers in Brazil.

Konfio is a financial services platform based in Mexico City that focuses on providing online financial solutions for small and medium-sized enterprises (SMEs) and micro-entrepreneurs. Founded in 2013, the company offers a range of products including fixed-rate loans, working capital loans, corporate credit cards, and payment solutions, as well as life insurance and personal debt transfer services. Konfio utilizes a proprietary algorithm that leverages data and technology to assess creditworthiness, enabling access to credit for clients who have been underserved by traditional banking. By offering competitive rates and convenient services, Konfio aims to enhance the growth and productivity of SMEs in Mexico.

Afluenta S.A., founded in 2008 and headquartered in Buenos Aires, Argentina, operates a peer-to-peer lending platform that connects borrowers and investors across Latin America. As the first marketplace lending company in the region, Afluenta facilitates loans for consumers and small to medium-sized enterprises, enabling borrowers to access more favorable rates than those offered by traditional financial institutions. Investors benefit from competitive yields on their funds, with net yields exceeding 20% in recent years. The company has expanded its operations to Argentina, Mexico, and Peru, with plans for further growth in Colombia and Brazil. Afluenta's automated platform streamlines the lending process, encompassing credit assessment, risk scoring, loan servicing, and a secondary market for trading loans, thereby enhancing liquidity for investors.

Hyphen Group is a network of finance companies. They empower and connect people to a better financial future through innovative tools, personalized digital experiences, and expert insights, and accelerate the digitization of the financial industry.

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.

Zoona is a mobile technology company focused on providing financial services to underserved communities across Africa. Founded in 2009, it has established a robust distribution network that facilitates money transfers, electronic voucher payments, savings, credit, and bill payments primarily for unbanked customers. With operations in Zambia, Malawi, and Mozambique, Zoona leverages cutting-edge technology and a network of agents to ensure safe and reliable access to financial services. The company has processed over $2 billion in transactions and has received recognition from organizations such as The Nike Foundation and The Unreasonable Group for its impactful contributions to empowering young entrepreneurs and helping to alleviate poverty, particularly among girls.

Britam Holdings Plc is a diversified financial services group based in Nairobi, Kenya, with operations extending across Eastern and Southern Africa, including countries like Uganda, Tanzania, Rwanda, South Sudan, Malawi, and Mozambique. The company is structured into five main segments: Long Term Insurance, Short Term Insurance, Asset Management, Property, and Corporate and Other. Britam provides a comprehensive array of financial products, including life, health, and general insurance, as well as pension plans, unit-linked products, and investment planning services. It also engages in property development, offering services related to the purchase, sale, and rental of real estate. Additionally, Britam manages discretionary and segregated investment portfolios and unit trust funds, serving both individual and corporate clients through various distribution channels. Founded in 1920, Britam remains a key player in the financial landscape of the region.