How We Embrace Technology

We are continually testing, investing and incorporating experiences from pilot processes into new financial products and services tailored to the needs of the low-income people we serve.

To unlock the full potential of digital financial services and to limit risk for everyone, education is essential. It’s not just important why and if our clients adopt technology, it is how they use it. FINCA believes in grassroots education efforts. The better our clients are educated about the utility and features of new technologies, the better they will be protected and the more they will benefit.

Agent Banking

FINCA started agency banking in Malawi and Nigeria in 2016. 5 out of 6 subsidiaries in Africa now have agency networks.

Credit Scoring

13 subsidiaries are pursuing credit scoring. First Access credit scoring launched in Tanzania. Guatemala is piloting EFL’s psychometric method.

Mobile App and e-wallet

Pakistan is piloting a groundbreaking mobile money financial services solution to the market. Clients in Haiti can now access their accounts remotely using MonCash e-wallet.


Fingerprint scans in DRC allow access to accounts, giving clients security and control over their money.
Mobile Banking

Mobile Banking

3 subsidiaries in Africa are preparing to pilot mobile credit and savings products.

Debit Cards

Debit cards were introduced in Georgia and Azerbaijan.

FINCA’s Innovative Delivery Channels