<p><span data-contrast="auto">Inclusive fintech products cover a wide range of services, from mobile banking and digital payments to microfinance and insurance. These services are designed to be affordable and accessible, with a focus on meeting the specific needs of diverse communities, ensuring all individuals have access to the financial tools they need to achieve their goals and improve their livelihoods.</span><span data-ccp-props="{}"> </span></p>
<p><span data-ccp-props="{}"> </span><span data-contrast="auto">This series features videos interviews with inclusive fintech leaders from our portfolio companies in Indonesia, Colombia, Pakistan, and all around the world. These interviews highlight the insights and experiences of these leaders and showcase the impact of inclusive fintech on underserved people and communities.</span><span data-ccp-props="{}"> </span></p>
<p><span data-ccp-props="{}"> </span><span data-contrast="auto">Watch now to learn insights from some of the most innovative and impactful voices in the industry.</span><span data-ccp-props="{}"> </span></p>


Hear insights from innovative fintech leaders on how they provide financial services to underserved populations. 

Colombia

Latin America and The Caribbean

Mexico

Peru

Sub-Saharan Africa

Tanzania

North America

United States

Brazil

East Asia and Pacific

Philippines

Vietnam

Argentina

Pakistan

South Asia

Indonesia

Access Usage Gap

Consumer Protection

Credit

Digital Financial Services

Enabling Environment

Financial Capability

Financial Health

Fintech

Fintechs

Impact Investing

Inclusive insurance

Insurance

Insurtech

MSME/SME Finance

Personal Financial Management

Responsible Digital Finance

Responsible Product Design and Delivery

Small Business Owners

Underserved Groups

Underwriting

Alternative Data

Digital Payments

Financial Inclusion Strategy

Customer Centricity

Partnerships

Supply Chain Finance

Mobile Banking

Challenges and Crises

Women

Resilience

Data Transparency

Human Centered Design

Agricultural and Rural Finance

Rural Populations

Smallholder Farmers

Video

Inclusive fintech leader stories

[embed]https://youtu.be/dGb40ohu340[/embed]

"R5's mission is to help vehicle owners in Colombia save money and pain in the things related to their vehicle. And we do that by offering them insurance, loans, and ancillary services." Founder and CEO Fernando Sucre shares how <a href="https://www.grupor5.com/" target="_blank" rel="noopener noreferrer">R5</a>, an Accion Venture Lab portfolio company, builds financial stability for self-employed workers and small business owners in Colombia.

Learn more about R5 and <a href="https://www.accion.org/fintech-makes-financial-stability-attainable-for-low-income-colombians" target="_blank" rel="noopener noreferrer">why Accion Venture Lab invested</a>.

Inclusive fintech leader stories: Fernando Sucre, Founder & CEO of R5

Most of Mexico’s people lack access to a formal bank account. Accion has worked in Mexico for decades to create a thriving and competitive financial sector that embraces innovation and protects its clients.

[embed]https://youtu.be/5pUU95gpz0Y[/embed]

“We know that if we improve this supply chain development and SME development in construction, we’re going to have a huge impact.” Fernando Olloqui, Co-Founder &amp; CEO of <a href="https://licify.co/" target="_blank" rel="noopener noreferrer">Licify</a>, shares how his company is catalyzing growth for small construction businesses in Latin America. Using a digital platform, <a href="https://www.accion.org/licify-announces-3-4m-seed-round-led-by-brick-mortar-ventures-and-accion-venture-lab-to-revolutionize-construction-procurement-and-financial-services" target="_blank" rel="noopener noreferrer">Licify matches small contractors</a> with building projects and speeding up payments in the construction industry.

<a href="https://www.accion.org/licify-catalyzes-growth-for-small-construction-businesses-in-latin-america" target="_blank" rel="noopener noreferrer">Learn more about why Accion Venture Lab invested in Licify</a>.

Inclusive fintech leader stories: Fernando Olloqui, Founder & CEO of Licify

[embed]https://youtu.be/zz7DJ6QytY8[/embed]

"We're thinking not only to serve the small stores but also their family and their dependents because they are an integral part of that store." Dan Cohen, CEO and founder of <a href="https://www.tiendapago.com/" target="_blank" rel="noopener noreferrer">Tienda Pago</a>, shares how Tienda Pago supports microentrepreneurs and family businesses in Mexico and Peru. <a href="https://www.accion.org/clients/tienda-pago" target="_blank" rel="noopener noreferrer">Tienda Pago</a>, an <a href="https://www.accion.org/how-we-work/invest/accion-venture-lab" target="_blank" rel="noopener noreferrer">Accion Venture Lab</a> portfolio company, is a digital supply chain finance solution that helps small mom-and-pop shops finance their inventory so they can stock what they need when they need it and grow their revenue.

<hr />

<h3>Transcript</h3>
My name is Dan Cohen, I'm the CEO and founder of Tienda Pago.

Tienda Pago is a company that is based in Mexico and in Peru.

We provide short-term lending to very small convenience shops, bodegas, changarros.

The credit line is used for them to buy inventory from large CPG (consumer packaged goods) brands.

We partner with big brands so [the shops] can sell their products via credits. So their sales increase. We pay directly to the brands, and now the stores can buy that product with one week of credit.

We have over 60,000 small stores that we have signed to the platform. In a typical day, we process over 3,000 loans every single day.

So we're thinking not only to serve the small stores but also their family and their dependents because they are an integral part of that store.

So creating those kinds of products and those kinds of services together — and with partners — it's a new, exciting thing.

The more we achieve, the more we understand that this is a team effort or a community effort, and you need several people to achieve those goals.

Inclusive fintech leader stories: Dan Cohen, CEO & Founder of Tienda Pago

[embed]https://youtu.be/6H29yWT2Yb0[/embed]

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"With technology and data, what we can do is lend the exact amount that [our customer] needs at the exact moment that he needs it." Samuel Brawerman, Co-Founder of <a href="https://www.kuunda.com/" target="_blank" rel="noopener noreferrer">Kuunda</a>, explains how his company provides responsible financial services to 1.7 million active subscribers in Tanzania. By embedding their financial services into existing platforms used by their end customers, Kuunda seamlessly provides liquidity solutions to agents, micromerchants, and consumers in Tanzania and around the world.

<a href="https://www.accion.org/embedded-liquidity-solutions-unlock-growth-for-microbusinesses" target="_blank" rel="noopener noreferrer">Read more about why Accion Venture Lab invested in Kuunda</a>.

<hr />

<h3>Transcript</h3>
My name is Samuel Brawerman and I work with Kuunda.

We provide embedded financial services. The customer never knows about us.

Our products are fully embedded into the journey of our partners through which we integrate and provide loans to facilitate whichever transaction they are doing in the ecosystem. It's a product in which you can never be over-indebted.

Now with technology and data, what we can do is only lend the exact amount that he needs at the exact time he needs it. So we are really helping the consumer, or the borrower. We're helping the channel partner, like M-Pesa and so on. And we're helping potentially the bank into the digital transformation and into making profitable business.

We have 1.7 million active subscribers in Tanzania. So it's quite impactful and getting this from the team and reminding us all that we're doing as an impact gives us a lot of courage to continue.

Inclusive fintech leader stories: Samuel Brawerman, Co-Founder of Kuunda

[embed]https://youtu.be/54I7e9de-DI[/embed]

"It's really important to us to make sure that every time a [food] truck owner goes out to interact with customers, that they're able to do it at locations where they can actually make money," says Sofiat Abdulrazaaq, Co-Founder &amp; CEO of <a href="https://www.goodfynd.com/" target="_blank" rel="noopener noreferrer">Goodfynd</a>, an Accion Venture Lab portfolio company. Goodfynd's digital platform connects food truck owners to their customers and provides an end-to-end payment system for mobile businesses, including online ordering, point of sale, invoicing, instant payouts, and inventory management.

Listen to Sofiat's <a href="https://www.accion.org/boosting-visibility-and-profit-for-food-trucks-sofie-abdulrazaaq-goodfynd" target="_blank" rel="noopener noreferrer">episode on Accion Venture Lab's Fintech for the People podcast</a> to hear more about how Goodfynd boosts visibility and profit for food trucks in the United States.

<hr />

<h3>Transcript</h3>
I am Sofiat Abdulrazaaq, and I am the CEO of Goodfynd.

Goodfynd is a business-in-a-box to help mobile businesses grow, mainly focused on food trucks.

It's really important to us to make sure that every time a truck owner, a mobile business, goes out to interact with customers, they're able to do it at locations where they can actually make money.

And so we're able to use the members on our platform in aggregate to partner with larger corporations so that they are able to have high yield and opportunity.

Accion was really great that they had a 90-day plan as soon as you started with [Accion] Venture Lab, and that was really focused on what is the next thing that you're trying to accomplish, like short term. What does that look like and how can we help? And then they build a team and resources around you to be able to accomplish that goal.

Seeing our company starting to scale has been wild in the best ways. We recently launched nationally. So in two months, we went from being in 4 states to 15 states. Building trust and building good tech is what we strive to do every day. And we realize that using our platforms is a choice, and we want to earn a choice every day.<span style="color: #172b4d; font-family: -apple-system, system-ui, Segoe UI, Roboto, Oxygen, Ubuntu, Fira Sans, Droid Sans, Helvetica Neue, sans-serif; font-size: medium;">
</span>

Inclusive fintech leader stories: Sofiat Abdulrazaaq, Founder & CEO of Goodfynd

[embed]https://youtu.be/IZbcNeFThx4[/embed]

"Small businesses, they don't have working capital. They don't have excess liquidity to be able to cover the cash flow needs of the business. Let's bring this financial product — these innovative credit products — embedded in those platforms where SMBs are operating their business." Suzy Ferreira, Founder and CEO of Dinie. <a href="https://www.dinie.com/" target="_blank" rel="noopener noreferrer">Dinie</a>, an Accion Venture Lab portfolio company, enables digital platforms to offer instant and convenient financing solutions to small businesses in Brazil.

See how working capital from Dinie's platform enabled <a href="/embedded-finance-enables-luciana-to-expand-her-thriving-restaurant" target="_blank" rel="noopener noreferrer">Luciana to expand her family's restaurant</a> in São Paulo, Brazil, and hear more from Suzy on <a href="/connecting-msmes-to-working-capital-in-brazil" target="_blank" rel="noopener noreferrer">Accion Venture Lab's Fintech for the People podcast</a>.

Inclusive fintech leader stories: Suzy Ferreira, Founder & CEO of Dinie

[embed]https://youtu.be/AYu7yYLVP58[/embed]

"If you think about the financial journey of a lot of these individuals, it really just stops at trying to get to that next payday. We offer a flexible line of credit versus just someone being able to access what they earn today." Jaime de los Angeles, co-founder and CEO of <a href="https://advance.ph/" target="_blank" rel="noopener noreferrer">Advance</a>. Advance's online platform helps low and middle-income workers in the Philippines and Vietnam bridge their cash flow needs and fund unexpected expenses in between paychecks.

Learn more about Advance and <a href="https://www.accion.org/a-digital-solution-for-people-living-paycheck-to-paycheck-in-the-philippines" target="_blank" rel="noopener noreferrer">why Accion Venture Lab invested</a>.

Inclusive fintech leader stories: Jaime de los Angeles, CEO & Co-Founder of Advance

[embed]https://youtu.be/kH_NBo3jQ4c[/embed]

“Our graduates from our program make more than four times income, on average. So that's a huge increase after six months of education,” says Martin Borchardt, Founder &amp; CEO of Henry, a fintech that's cultivating tech talent in Latin America. Their coding courses leverage remote learning and an innovative financing structure to make technical education accessible. Once a student completes the coursework, Henry helps them secure a job in the technology sector.

Read <a href="/a-fintech-cultivates-tech-talent-in-latin-america" target="_blank" rel="noopener noreferrer">why Accion Venture Lab invested</a> and learn more about Henry on our <a href="https://www.accion.org/creating-a-more-equal-world-through-technology-training-luz-borchardt-henry" target="_blank" rel="noopener noreferrer">Fintech for the People podcast</a>.

Inclusive fintech leader stories: Martin Borchardt, Founder & CEO of Henry

[embed]https://youtu.be/sQ_4qp0PdZk[/embed]

“It enables truck drivers to be businessmen, versus the way they are now, which is daily wage laborers,” said Mishal Adamjee, Co-Founders of Trukkr, an online logistics platform aiming to revolutionize Pakistan's trucking sector.

Read more about <a href="https://www.reuters.com/markets/asia/pakistani-fintech-startup-trukkr-raises-64-mln-gets-lending-licence-2023-03-07/" target="_blank" rel="noopener noreferrer">Accion Venture Lab's investment in Trukkr</a> and <a href="https://www.accion.org/digital-solutions-for-pakistans-small-trucking-businesses" target="_blank" rel="noopener noreferrer">why we invested in Trukkr</a>.

Inclusive fintech leader stories: Mishal Adamjee, Co-Founder of Trukkr

[embed]https://youtu.be/vjWQAwUqtOI[/embed]

“I am so excited about the trend, the fact that people in the rural areas are rapidly moving on towards mobile economy, mobile platforms,” said Yoga Anindito, Co-Founder of Semaai, a full stack agritech solution for Indonesian farmers that Accion Venture Lab invested in February 2023.

Read <a href="https://www.accion.org/empowering-indonesian-agribusinesses-through-digitization" target="_blank" rel="noopener noreferrer">why we invested in Semaai</a>.

Inclusive fintech leader stories: Interview with Yoga Anindito, Co-Founder of Semaai