Writing The Next Chapter Of Financial Inclusion

Globally, 1.7 Billion adults are unbanked, yet two-thirds of them own a mobile phone that could help them access financial services

One Equation, Infinite Possibilities

With extensive experience of managing Telecom Operators & Mobile Wallet Providers coupled with strong capabilities in behavioral analytics and risk management, Yabx is uniquely positioned to provide solutions that help achieve its core purpose of financial inclusion

At Yabx, we aim to enable the underserved with limited credit history to get fair access
to financial services tailored to their needs

We create a credible financial identity for unbanked & underbanked population based on alternate data.
We manage the entire customer’s credit lifecycle starting from acquisition to settlement

We are the Fintech venture of Mahindra Comviva, a global leader in Mobile Financial Services.
We are part of USD 20 Billion Mahindra Group

Solving the Equation


Unmet Need

One fourth of the world today is unable to access financial products like loans,
savings & insurance owing to limited or non-existent financial footprint

Alternate Data

9 out of 10 adults use a mobile phone generating significant amount of data
every second which can be leveraged to create unique behavioral profiles

Financial Identity

Yabx transforms alternate data into financial identity using machine learning
to predict ability & willingness to consume financial products

Enabling Access

Every mobile owner has now an opportunity to be part of the extended financial system to save, borrow and be insured

Building the Ecosystem

Yabx builds the ecosystem by partnering with Telecom Operators, Banks, MFI's,
Credit Bureaus, Mobile Financial Providers & handset vendors to create world-class innovative products
Solving the Equation

With Telecom Operators

Telcos are at the forefront of digital revolution connecting billions of people with each other through innovative products & services.
As a natural extension, Yabx helps Telecom operators leverage their data & distribution network to deliver innovative financial products to customers resulting in:

  • Enhanced experience
  • Reduced churn
  • Increased revenue

Solving the Equation

With Financial Institutions

Banks & MFIs increasingly look for innovative ways of market creation while keeping risk under control.
Yabx helps banks & MFIs discover new customer segments digitally and enhance credit profiling of existing customers using alternate data resulting in:

  • Reduced customer acquisition cost
  • Improved portfolio yields
  • Offering high velocity high volume financial products

Solving the Equation

With Mobile Financial Service Providers

Mobile based financial services are transforming lives by providing millions of unbanked customers a way to store and access money digitally.
Yabx helps take this transformation a step further by offering alternate data-based credit solutions to eligible customers resulting in:

  • Enhanced revenue per customer
  • Improved loyalty


Micro & Small
Consumer Loans

Reaching out to customer who do not have access to traditional finance


Quick and unsecured working capital loans for mobile money agents


Loans for handset upgrade from feature phones to smartphone as well as to facilitate new smartphone purchase


Facilitating the need of an all-time recharge availability coupled with convenience


Rice Farmer
in Vietnam

Micro & Small
Consumer Loans

  • Typical credit: $2-$50
  • Term: 1-4 Weeks
  • Channel: Mobile Money
  • Impact: Easy access to credit for emergency situation

Telecom retailer
in Colombia


  • Typical credit: $30-$200
  • Term: 1-3 Months
  • Channel: Mobile Money/ Airtime
  • Impact: Increased working capital access, having a positive impact

Grocery shop owner
in Bangladesh


  • Typical credit: $30-$200
  • Term: 3-6 Months
  • Channel: Direct Payment to OEM
  • Impact: Increased smartphone access to low income users

Fruit Seller
in Rwanda


  • Typical credit: $0.5-$2
  • Term: 1-7 Days
  • Channel: Airtime
  • Impact: Convenience & mitigation of emergency situations

The Yabx Difference

Product Innovation

  • Base platform gives the flexibilty to rapidly create and configure new products
  • Support dynamic and intelligent customer journeys
  • Support for all access channels – mobile apps, SMS, USSD, IVR, customer service phone call session, etc.

Advanced Analytics

  • World class team of data scientists: mathematicians, statisticians, and credit experts
  • Ability to access and consolidate customer data from varied data sources
  • No “one size fits all” general scoring – create customized models and scores for different types of credit decisions

Accelerated Impact

  • Rapidly deployable platform with ability to onboard/integrate with third party applications
  • Codified data definitions and workflows
  • 24/7 operations capacity across the globe

Business Results

  • Full execution support
  • Ability to create local consortiums and partnerships
  • Ability to speedily scale up business in weeks and months

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