What Global Mobility Service does

Global Mobility Service (GMS) is a Japan-founded FinTech company established in 2013 that provides vehicle financing to unbanked and underbanked individuals across Japan, the Philippines, Cambodia, Indonesia, and South Korea. Its core offering addresses the 1.4-1.7 billion people globally without access to traditional financial services, with a particular focus on mobility-dependent workers such as tricycle, online taxi, and delivery drivers who lack credit history but can demonstrate repayment capacity through work. GMS serves three counterparties — individual borrowers, vehicle dealers, and financial institutions — and operates through wholly-owned local subsidiaries in each overseas market, with Tokyo headquarters and an IT development center in Gifu.

GMS's technical core is the MCCS (Mobility-Cloud-Connection-Service) IoT device, a patented hardware unit installed in financed vehicles that enables remote engine activation and deactivation tied to payment status, supplemented by GPS tracking. This device, paired with the MSPF (Mobility Service Platform) data analytics platform, collects driving behavior data and produces alternative credit scores for borrowers who would otherwise fail traditional screening. Empirically, GMS reports a 0.9% default rate and 99%+ collection rate in Japan — substantially below unsecured consumer auto lending norms — by using hardware-based payment enforcement rather than relying solely on credit judgment. The company has received ISO/IEC 27001 certification, expanding scope company-wide in November 2021, and GDPR-compliant data handling across operating markets.

GMS generates revenue through vehicle loan and lease origination (partnering with banks such as Hiroshima Bank, Ogaki Kyoritsu, Shinhan Bank Cambodia, Maybank Indonesia, Sumisho Motor Finance, and Credit Saison), MCCS device subscription fees, and data-driven credit scoring services. Distribution is hybrid: 500+ partner dealers in Japan for retail origination, direct sales for GMS Lease minivan rental, and B2B FinTech services sold to financial institutions as an 'SDG-aligned' lending product. Cumulative equity funding totals approximately $46M across six rounds from 2015 to 2022, with strategic shareholders including SoftBank, DENSO, Sumitomo Corporation, Credit Saison, AEON Financial, SBI Investment, and Globis Capital Partners. Notable recent moves include a February 2024 partnership with Gojek in Indonesia and a January 2024 alliance with Sumitomo Corporation in the Philippines.

Name

Global Mobility Service

Legal name

Global Mobility Service Inc.

Website

https://global-mobility-service.com

Company type

Private

Founded year

2013

Headcount range

101–250 employees

Short description

Global Mobility Service is a Japan-founded FinTech company providing vehicle loans and leases to unbanked individuals across five Asian countries, using a proprietary IoT device (MCCS) with remote engine control and a data platform (MSPF) that produces alternative credit scores for drivers without traditional credit history.

Ownership category

akta.pro rank

Product category

Vehicle Financing

NAICS

Motor Vehicle Electrical and Electronic Equipment Manufacturing (336320)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Vehicle Diagnostics, Predictive Maintenance & Remote Monitoring (TLAEAFAE)

akta.pro secondary industry

Corporate Vehicle Subscription & Flexible Access Programs (TLABALAH)

Keywords

• Vehicle financing
• Financial inclusion
• Mobility fintech
• Auto loan services
• IoT credit scoring

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Vehicle Financing (Loans/Leases): GMS provides auto loans and leases to unbanked individuals through partnerships with financial institutions and auto dealers. Customers make monthly payments; if payments are not made, the MCCS device enables remote engine deactivation.
2. MCCS Device Services: IoT device (MCCS) installed in vehicles for remote engine control and GPS tracking. Monthly fees charged for the device monitoring and control services.
3. Data Analytics Services: Analysis of driving data through MSPF platform to create credit scores and provide new financing opportunities for drivers.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core offering

Global Mobility Service (GMS) is a Japanese fintech that provides vehicle loans and leases to unbanked or low-credit individuals worldwide by combining its proprietary MCCS IoT device (which enables remote engine activation/deactivation based on payment status) with the MSPF data platform (which analyzes driving behavior to generate alternative credit scores). GMS operates across Japan, the Philippines, Cambodia, Indonesia, and Korea, distributing its services through partner dealers and partner financial institutions.

Product overview

Global Mobility Service (GMS) operates a financial inclusion FinTech platform designed to provide vehicle financing to the 1.4 billion unbanked people worldwide. The core offering consists of MCCS (Mobility Creation Control System), a proprietary IoT device that enables remote vehicle engine control, and MSPF (Mobility Service Platform), a data analytics platform that visualizes driver behavior and connects with financial institutions. Together, these products enable GMS to offer car loans to customers who cannot pass traditional credit screening by evaluating their actual work performance and enabling secure payment enforcement through engine control. The company provides services across four markets (Philippines, Cambodia, Indonesia, Japan) through partnerships with financial institutions, vehicle dealers, and other stakeholders.

Differentiator

Problem solved

Functional benefit

Products and services

• MCCS (Mobility-Cloud-Connection-Service) An IoT device installed in vehicles that enables remote engine activation and deactivation control. Uses GPS for vehicle location tracking and safely controls engine operations for loan repayment enforcement. Reduces default rates to 0.9%.
• MSPF (Mobility Service Platform) A platform that collects and analyzes vehicle mobility data, visualizes driver work behavior, and enables connection with financial institutions and payment systems for credit scoring and loan management.
• GMS FinTech Services Financial inclusion services providing vehicle loans and financing to unbanked individuals who cannot pass traditional credit screening, enabling them to purchase vehicles for work.
• GMS Credit Enhancement Loan (GMS Sutto Shinsa / Hard-Workers Support Loan) Auto loan service designed for customers who cannot pass traditional credit screening. Evaluates future work potential to strengthen creditworthiness and enables vehicle purchases through partner dealers with MCCS device installation for payment enforcement.
• GMS Lease Minivan leasing and rental service for delivery drivers, providing vehicles for logistics and transportation work purposes. Features lower initial costs compared to other leasing companies, includes insurance and vehicle costs, and offers bank transfer payment options.
• GMS FinTech Business Development Services Business development services that analyze local market needs and cooperate with financial institutions, auto dealers, and stakeholders to provide affordable vehicle financing, supporting partner financial institutions in serving new customer segments.
• GMS Distribution and Delivery Matching Service Logistics and delivery matching service developed jointly with DNP, connecting drivers with delivery opportunities in Southeast Asia.

Quantifiable outcome

• Default rate reduced to 0.9% using MCCS technology
• +4 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

17 partnerships are on record, tiered core and minor.

• GojekcoreStrategic or Co-development Partner · 9 February 2024Strategic partnership with Gojek, Indonesia's leading on-demand services platform and pioneer of multi-service ecosystem model. Collaboration to provide financial access and employment opportunities for excellent drivers in Indonesia.
• Sumitomo Corporation Group (Sumisho Motor Finance)coreStrategic or Co-development Partner · 10 January 2024Business alliance in Philippines where SMF provides funds to purchase vehicles for drivers and GMS provides customer support and employment assistance. Partnership for next-generation mobility services.
• Uniadex / DNP Joint VenturecoreStrategic or Co-development Partner · 14 March 2022Philippine-based logistics and delivery matching service joint venture.
• NAL Net CommunicationsminorStrategic or Co-development Partner · 17 August 2021Business alliance to provide inclusive car lease services to financial institutions.
• APLUScoreStrategic or Co-development Partner · 16 July 2021Expansion of new car loan service throughout Japan for foreigners and unbanked individuals.
• LalamoveminorStrategic or Co-development Partner · 29 June 2020Strategic business partnership in Indonesia with on-demand delivery platform provider.
• DENSO CorporationcoreStrategic or Co-development Partner · 18 May 2020Partnership for cold chain logistics in Indonesia including COVID-19 test kit delivery support. Co-developed refrigerated delivery service.
• City of Mandaue, CebuminorStrategic or Co-development Partner · 7 February 2020Partnership with city government for driver support programs in Philippines.
• Hiroshima BankcoreStrategic or Co-development Partner · 26 September 2019Business alliance to begin providing auto loans using FinTech services. Partnership to serve unbanked customers in Japan.
• Tunas GroupcoreChannel Partner/ Reseller/ Distributor · 1 July 2019Strategic partnership with Indonesia's largest independent automotive dealer for vehicle distribution.
• Ogaki Kyoritsu Bank (OKB)coreStrategic or Co-development Partner · 27 June 2019Comprehensive partnership for financial inclusion auto lending services.
• Shinhan Bank CambodiacoreStrategic or Co-development Partner · 4 December 2018Business partnership in Cambodia for financial inclusion lending services.
• Maybank Indonesia FinancecoreStrategic or Co-development Partner · 8 November 2018Business alliance with Malaysia's largest bank's Indonesian finance subsidiary for vehicle financing.
• East Venture InitiationminorStrategic or Co-development PartnerVenture capital leading Indonesia Pasti Bisa project for PCR test kit production and distribution using GMS cold chain logistics.
• Grabers (Taxi Driver Union)coreChannel Partner/ Reseller/ DistributorTaxi driver union in Indonesia receiving 20 Daihatsu SIGRA vehicles through GMS online driver rental program.
• K servicocoreChannel Partner/ Reseller/ DistributorPhilippine vehicle dealer partner providing food distribution support for tricycle drivers during COVID-19.
• JETRO (Japan External Trade Organization)minorStrategic or Co-development PartnerPartner in Indonesia Pasti Bisa project for PCR test kit distribution and Rangkul Indonesia COVID-19 support.

Scale indicators16 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• Moove: Africa-headquartered mobility fintech providing vehicle financing to ride-hailing and delivery drivers who lack access to traditional credit. Closest comparable to GMS: same target customer (thin-file gig drivers), same vehicle-collateralized lending model, similar multi-country expansion playbook.
• Planet42: South African subscription-based car ownership platform serving underbanked individuals. Closely mirrors GMS's GMS Lease model — providing access to vehicles for people excluded from traditional auto loans, financed via partners and structured around the customer's ability-to-pay.
• M-Kopa: Kenya-based pay-as-you-go financing platform for off-grid solar and other income-generating assets, with IoT-enabled remote device control on missed payments. Same underlying architecture as GMS (IoT-locked collateral + alternative credit scoring for unbanked customers), applied to a different asset class.

Broad incumbents

• Grab Financial Group: Southeast Asia super-app with lending, insurance, and payments aimed at the same underbanked SEA driver/customer base GMS serves. Larger scale, broader product suite, and direct ownership of the ride-hailing platform that GMS's drivers depend on.
• Geotab: Global fleet telematics platform collecting vehicle GPS, diagnostics, and driver behavior data at scale. Comparable technology layer (vehicle IoT + data analytics) but serves commercial fleets with established credit, not unbanked consumer financing.

Emerging players

• Trusting Social: Vietnam-headquartered AI credit-scoring platform serving unbanked populations across SEA, often partnering with FIs and telcos. Comparable alternative-credit-scoring thesis for thin-file borrowers but applied as a software/API layer rather than a balance-sheet lender.
• Tala: Global mobile lending app providing instant credit to underbanked consumers using smartphone-based alternative data. Same target customer (thin-file borrowers in emerging markets) but Tala is consumer-credit-only with no asset-collateral or IoT angle.
• Branch International: Mobile lending platform for underbanked consumers across Africa, India, and LatAm using smartphone data for underwriting. Overlaps with GMS in alternative credit scoring methodology and emerging-market financial inclusion mission, but is unsecured consumer credit.
• d.light: Pay-as-you-go solar financing company for off-grid households in Africa and Asia, with pay-controlled device activation. Same IoT-controlled-asset-financing architecture as GMS, applied to solar home systems rather than vehicles.

Others

• Sumitomo Mitsui Auto Finance / Sumisho Motor Finance: Sumitomo Group's auto finance arm, an existing GMS partner and shareholder. Comparable as a Japan/SEA vehicle-financing player but operates at much larger scale on traditional credit-underwritten customers — they are simultaneously a peer and a channel for GMS.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/global-mobility-service-inc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries5 records

Funding overview

Funding rounds6 records

Investors20 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Global Mobility Service