


Middle East, Africa & Beyond
Growth Markets will become some of the world’s largest economies in the coming decades. With firsthand experience living and working in these markets, we know the potential for transformation is often greatest in historically underserved regions.
Fintech and embedded finance, including applications across the Health, Climate, B2B AI, and Consumer sectors, are revolutionizing access and inclusion for the next billion people, creating the infrastructure for innovation to thrive.
Across the Middle East, Africa, and beyond, we partner with bold, mission-driven entrepreneurs transforming how people and businesses access financial services and harness them to solve complex challenges across other vital sectors.
Abhi
Pakistan's first financial wellness platform focused on democratizing credit for both individuals and businesses.

Abhi
Pakistan's first financial wellness platform focused on democratizing credit for both individuals and businesses.
Founded in 2021, Abhi is building practical financial infrastructure for emerging markets. As a next-generation neobank, it provides Earned Wage Access and flexible SME financing that give workers and businesses quicker, more reliable access to liquidity. The model solves everyday cash-flow challenges and makes essential financial services easier to reach. Abhi also became the first MENAP-based startup to receive the World Economic Forum’s Technology Pioneer Award.
Abwab.ai
AI-driven fintech platform that automates SME lending and credit decisions for banks and lenders across the Middle East and Africa.

Abwab.ai
AI-driven fintech platform that automates SME lending and credit decisions for banks and lenders across the Middle East and Africa.
Founded in Saudi Arabia, Abwab.ai is a fintech-powered AI platform that transforms SME lending through automated underwriting and credit decisioning. It enables banks and lenders across the MENA region to make near-instant, data-driven credit assessments, replacing slow manual underwriting processes. By automating loan origination, lead qualification and credit analysis, Abwab.ai reduces risk, cuts costs and accelerates the flow of capital to small and medium enterprises. The company’s mission is to bridge the vast financing gap facing SMEs – unlocking growth and inclusion through smarter, faster, and technology-driven lending.
Agro.Club
Two-sided agricultural marketplace with embedded financial services.

Agro.Club
Two-sided agricultural marketplace with embedded financial services.
Agro.Club is digitizing the global agricultural value chain by connecting input suppliers, grain buyers, and farmers through a comprehensive digital ecosystem, aiming for greater transparency and efficiency in supply management.
The platform offers essential digital services like e-commerce, grain procurement, and business intelligence. It also provides embedded financial solutions, including factoring and credit, directly within transactions, helping stabilize cash flow, expand capital access for agricultural partners, and simplifies complex supply chain interactions.
Anda
African mobility platform empowering drivers to own their vehicles.

Anda
African mobility platform empowering drivers to own their vehicles.
Founded in Angola, Anda is an African mobility and fintech platform that empowers drivers to own their vehicles through an accessible drive-to-own model. It provides training, insurance, maintenance support, and safe operating hubs, helping transform informal transport work into stable, dignified livelihoods. With its growing electric vehicle fleet, Anda is also driving cleaner, more affordable, and more organized urban mobility. The company is reshaping the sector by combining financial inclusion, human-capital development, and sustainable innovation.
Cobee
Take control of your salary.

Cobee
Take control of your salary.
Cobee (acquired by Pluxee in 2024) is an employee benefits company that is using new technologies to disrupt the big benefit market that has been traditionally dominated by big incumbent players. All our efforts are focused on making employees feel happy about their benefits, trying to unify the value proposition in an understandable and easy to use formula.
FairMoney
Providing digital banking and instant loans to customers across Nigeria and India.

FairMoney
Providing digital banking and instant loans to customers across Nigeria and India.
FairMoney leverages big data to give access to credit to 2 billion people in emerging markets across the world.
Consumers and businesses in these markets often suffer from missing access to credit. FairMoney uses advanced machine learning applied to smartphone data to build credit scores and distribute credit through any mobile application.
Fairplay
Supporting entrepreneurs’ growth in Latin America with a flexible, fast and friendly financial product.

Fairplay
Supporting entrepreneurs’ growth in Latin America with a flexible, fast and friendly financial product.
Fairplay is a revenue-based financing enabler for the new digital economy in Latin America with the mission to empower entrepreneurs’ growth with a fast, flexible and friendly product by investing in their working capital cycles directly through their three main needs: performance marketing campaigns, logistics costs and inventories.
For fast-growing e-commerce businesses, Fairplay offers growth capital funding in exchange for a steady revenue share of their earnings until capital is paid back plus a flat fee.
Flow48
Offering revenue-based financing to online and offline businesses.

Flow48
Offering revenue-based financing to online and offline businesses.
By embedding in the customer’s payment gateway, Flow48 can offer businesses upfront lump-sum investment capital to invest in inventory or CAPEX and generate future revenues.















