We combine human-centered design with deep customer insights to develop solutions in digital credit, savings, insurance, and payment customized to meet the needs of people from the low- and moderate-income segments. From embedded finance to mobile banking, we pilot, refine, and scale products with usability, trust, and affordability at the core.

We strengthen the last-mile delivery of financial services through robust agent networks, branchless banking models, and digital channels. We enhance agent recruitment and train, onboard, and monitor agents to ensure their long-term sustainability in partnership with mobile network operators and technology platforms.

We help institutions reimagine their core systems, automate processes, adopt paperless onboarding, integrate FinTech, and shore up the digital architecture needed for scale. The goal is operational efficiency, reduced cost of service, and reliable service delivery.

Our engagement with central banks, regulators, and policy bodies shapes enabling environments for digital finance. This includes policy design, regulatory technology (RegTech and SupTech solutions), consumer protection standards, and frameworks to ensure transparency, fairness, and accountability.

We expand access to finance for potential borrowers through alternative data, inclusive credit scoring, and responsible risk frameworks. Our models incorporate explainability and bias checks to help lenders reach MSMEs, first-time borrowers, informal workers, and other underserved groups.

Through our Helix Institute of Digital Finance and in-country training programs, we build the capabilities of leaders, practitioners, and field agents. Our practical, context-rich sessions are designed for practical and lasting impact and cover digital finance strategy, agent network management, customer protection, and product innovation.