Yabx Technologies
Yabx Technologies is a Netherlands-headquartered fintech that operates an AI/ML-powered digital lending platform using alternative data for credit scoring, enabling banks, microfinance institutions, and telecom operators in 28+ emerging markets to extend credit to new-to-credit and MSME borrowers via USSD, mobile, and embedded channels.
- Company typePrivate
- Founded2019
- HeadquartersThe Hague, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Yabx Technologies does
Yabx Technologies is a Netherlands-headquartered digital lending platform founded in 2019 and incubated by Comviva, a subsidiary of India's Mahindra Group. The company provides a cloud-based, AI/ML-powered lending infrastructure that uses alternative data — telecom records, mobile money transactions, SMS and airtime usage, geolocation, and social signals — to underwrite borrowers with no traditional credit history. Its machine-learning models run on 10,000+ features to build credit profiles for thin-file and new-to-credit customers in markets where formal credit bureau coverage is limited.
The product portfolio comprises an end-to-end loan origination and lifecycle management system plus five core lending modules: Merchant Cash Advance, Personal Loans, Handset Financing, Bullet Credit (single-repayment loans), and Overdraft Loans for mobile money agents and digital workers. These are delivered through a low-code, multi-channel architecture spanning USSD, mobile apps, bank digital channels, and third-party embedded integrations. This USSD-first design is deliberate — it serves feature-phone users in markets where smartphone penetration is roughly 30–35% in Africa and ~20% across emerging markets, with 90% of African loan fulfillment reportedly occurring through USSD.
Yabx operates a B2B2C go-to-market: its platform is white-labeled or embedded into partner banks, microfinance institutions, and telecom operators (MTN, Orange, Airtel Money, I&M Bank, Micro Finance Zambia, Standard Chartered via SC Ventures, Housing Finance Bank, COFINA, Yango). Revenue is generated through platform/SaaS licensing fees, per-transaction fees on disbursed loans, and credit-spread income on co-lending arrangements. The company has scaled to 28+ countries across Africa, Asia, and Latin America, serving a cumulative 50+ million end customers with $250M+ in loans disbursed. Headcount is 51–100 employees.
Yabx Technologies firmographics
Firmographics- Name
- Yabx Technologies
- Legal name
- Yabx
- Website
- https://yabx.co
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Yabx Technologies is a Netherlands-headquartered fintech that operates an AI/ML-powered digital lending platform using alternative data for credit scoring, enabling banks, microfinance institutions, and telecom operators in 28+ emerging markets to extend credit to new-to-credit and MSME borrowers via USSD, mobile, and embedded channels.
- Ownership category
- akta.pro rank
Yabx Technologies industry classification
Industry- Product category
- Digital Lending Platform
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Finance Services (6199), Loan Brokers (6163)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
Keywords
Where Yabx Technologies is headquartered
LocationHeadquarters
- HQ city
- The Hague
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Yabx Technologies business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Platform/SaaS Fees from Financial Institutions: Yabx provides its digital lending platform to banks, microfinance institutions, and telecom operators on a white-label or embedded basis. Financial institutions pay for access to the platform's credit scoring, decisioning, and loan management capabilities, typically on a subscription or per-transaction basis.
- Transaction Fees on Loan Disbursements: Revenue generated per loan originated and disbursed through the platform. Each loan transaction across merchant cash advance, personal loans, handset financing, and overdraft products contributes to transaction-based revenue.
- Interest Income / Credit Spread: As a lending platform embedded within banks and telcos, Yabx earns from the spread between the cost of funds and the yield on loans extended to end borrowers, particularly in markets where it co-lends or structures credit products with partners.
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Yabx Technologies product offering
Product offeringCore offering
Yabx provides a cloud-based, AI/ML-powered digital lending platform that enables banks, microfinance institutions, and telecom operators to underwrite and serve credit to underbanked and new-to-credit customers across emerging markets. The platform uses alternate data (telecom records, mobile money transactions, social data, geolocation) to build credit profiles, and delivers loans via USSD, mobile apps, web, and embedded third-party channels. Its product suite spans Merchant Cash Advance, Personal Loans, Handset Financing, Bullet Credit, and Overdraft Loans, white-labeled to partner institutions.
Product overview
Yabx Technologies offers a cloud-based digital lending platform that provides AI/ML-powered credit assessment and loan management capabilities for the underbanked in emerging markets. The platform operates as a low-code, multi-channel system that runs on USSD, mobile apps, bank digital channels, and embedded third-party options. The product portfolio consists of six core lending solutions: Merchant Cash Advance (working capital for MSMEs), Personal Loans, Handset Financing (smartphone ownership), Bullet Credit (short-term single-repayment loans), and Overdraft Loans (micro credit for agents and digital workers), all connected through a unified platform that integrates with telecom operators, banks, mobile money providers, and payment processors.
Differentiator
Problem solved
Functional benefit
Brands
- mobileFund: A lending product launched in Solomon Islands for savings and credit purposes.
Products and services
- Digital Lending Platform Cloud-based lending platform that enables banks, microfinance institutions, and telecom operators to onboard customers, underwrite portfolios using AI/ML on alternate data, collect repayments, and automate end-to-end lending operations for underbanked and new-to-credit populations.
- Merchant Cash Advance Working capital solution for MSMEs providing lump-sum funding with repayments based on a percentage of daily card transactions, enabling merchants to seize growth opportunities without fixed repayment burdens.
- Personal Loans Digital personal loan solutions for underbanked and new-to-credit individuals leveraging alternative data for credit scoring, offering seamless origination, approval, and disbursement through cloud-based infrastructure and partner channels.
- Handset Financing Smartphone financing solution supporting device ownership through daily payment options, enabling digital access for populations without smartphones via USSD activation codes such as Orange Côte d'Ivoire's *191#.
- Bullet Credit (Fast-Track Credit for Urgent Needs) Short-term, single-repayment loans designed for mobile-first economies, providing quick disbursement with the full amount returned in a single installment typically within 30 days.
- Overdraft Loans (Real-Time Liquidity) Micro overdraft solutions for agents, drivers, and digital workers providing instant credit when wallet balance drops to zero, designed for high-frequency low-ticket use cases such as mobile money agent float top-ups.
Quantifiable outcome
- Served 50+ million customers across 28+ countries with $250+ million in loans disbursed
- +4 more outcomes
Companies that use Yabx Technologies
Customer profileNamed customers14 records
Segments6 records
Ideal customer profiles3 records
Yabx Technologies technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature5 records
Yabx Technologies partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- SC Ventures (Standard Chartered)coreSC Ventures, the innovation, fintech investment and ventures arm of Standard Chartered, entered into an MOU with Yabx to address the need for responsible consumer finance across Africa. The partnership creates unique Africa-specific products to increase access to credit for the underbanked, initially launching purpose-driven loans for education and skill development in Uganda before expanding across the continent. The collaboration leverages data-driven scoring and analytics to reduce cost of delivery of innovative credit products.
- I&M BankcoreI&M Bank partnered with Yabx to offer personalized credit options to its customers using advanced data analytics and machine learning algorithms. The partnership enables I&M Bank to leverage Yabx's deep understanding of data to tailor financial products to specific customer needs, driving user engagement and loyalty through a customized credit experience.
- Micro Finance Zambia (MFZ)coreMicro Finance Zambia collaborated with Yabx to master responsible financial inclusion. Yabx empowers MFZ to extend loans in real time, reaching millions of unbanked customers while ensuring prudent lending practices, making a significant impact on people's lives through digital credit solutions.
- Claro (Colombia)coreClaro partnered with Yabx to implement a credit scoring solution that has significantly transformed the lives of Colombians. The solution empowers customers with greater financial opportunities, facilitating economic progress through personalized credit options delivered via the telecom platform.
- Airtel Money (Uganda)coreAirtel Money Uganda partnered with Yabx to implement a BNPL service that transformed the financial landscape of mobile wallet users. Yabx's expertise and innovative approach created an accessible and seamless credit solution, bringing financial flexibility to Airtel Money's customer base. Yabx also powers the Airtel Money Juzzawo overdraft product with Housing Finance Bank.
- Housing Finance Bank (Uganda)coreHousing Finance Bank partnered with Airtel Money and Yabx to offer the Juzzawo overdraft product, enabling customers to complete transactions even with insufficient funds in their Airtel Money account. Customers can take multiple loans up to their approved credit limit for sending money, merchant payments, bill payments, and airtime purchases.
- MTNcoreMTN, a major telecom operator across Africa, partnered with Yabx to offer digital lending products to its subscriber base. Yabx's platform is integrated with MTN's mobile money ecosystem to enable credit access for customers.
- Orange (Côte d'Ivoire)coreOrange Côte d'Ivoire partnered with Yabx to implement a smartphone financing program reducing the digital divide and increasing financial inclusion. Yabx enables handset financing with daily payments activated via USSD code *191#, contributing to Orange's strategic objectives around digital and financial inclusion.
- Fintech GalaxyminorFintech Galaxy partnered with Yabx to expand digital lending offerings in the Middle East and North Africa region.
- YangominorYabx partnered with ride-hailing platform Yango and mesofinance leader COFINA to launch in-app lending in Côte d'Ivoire. Through the Yango app, drivers can access 'Driver Cash Advance' loans up to XOF 300,000 (~US$500), repayable from future fares over 2-8 weeks. Yabx's AI scores each driver on trip count, earnings, and ratings.
- COFINAminorCOFINA, a mesofinance leader, partnered with Yabx and Yango to provide working capital loans to gig economy workers in Côte d'Ivoire through an embedded lending product in the Yango app.
- National Bank of Samoa (NBS)coreNational Bank of Samoa partnered with Yabx following Yabx's win at the UNCDF Pacific Islands FinTech Innovation Challenge. Yabx provided its cloud-hosted loan lifecycle management platform to enable digital SME financing with easy scorecard configuration and simplified underwriting processes.
- Tongan Development Bank (TDB)coreTongan Development Bank partnered with Yabx to enable SME financing through Yabx's digital lending platform. The partnership streamlined operations across analysts, field agents, underwriting teams, and disbursement/collections teams.
- Solomon Islands National Provident Fund (SINPF)coreYabx was selected to solve the issue of savings disparity in the Solomon Islands through the UNCDF Pacific Islands FinTech Innovation Challenge. Yabx partnered with SINPF to improve usage of financial products and services, targeting the 25.6% of the population with bank account access to commence a savings and credit economy.
- ComvivacoreYabx is incubated by Comviva, a global leader in mobile data technology solutions. Comviva provides the parent infrastructure and backing for Yabx's fintech operations across emerging markets.
Scale indicators8 records
Recent moves8 records
Expansion highlights8 records
Yabx Technologies competitors and assessment
Company assessmentDirect peers
- Jumo: Jumo operates a B2B digital banking and lending platform that uses alternative data to provide credit, savings, and insurance products to consumers and SMEs in emerging markets across Africa and Asia — a near-identical model to Yabx, embedding lending into telco and bank wallets.
- Branch International: Branch provides instant digital loans, payments, and investment products to underserved consumers and small businesses across Africa and India using smartphone-based alternative data, directly competing for the same new-to-credit segment Yabx serves.
- FairMoney: FairMoney is a digital bank and lending platform offering personal loans, BNPL, and banking services to underbanked consumers in Nigeria, with growing presence across Africa — overlapping heavily with Yabx's Nigeria and African footprint.
- Carbon (formerly Paylater): Carbon operates a digital lending platform serving consumers and SMEs in Nigeria and other African markets using alternative data and ML, offering personal loans and merchant credit — a directly comparable alternative-data lender.
- Tala: Tala is a mobile lending app that uses alternative data from smartphones to underwrite and disburse instant credit to underbanked consumers in emerging markets including Kenya, the Philippines, Mexico, and India, making it a directly comparable alternative-data lender.
- Optasia (formerly Molo Finance): Optasia provides AI-driven digital lending infrastructure and micro-credit solutions for underbanked consumers across emerging markets, partnering with mobile network operators and fintechs — directly overlapping with Yabx's telco-embedded lending model.
Broad incumbents
- Upstart: Upstart is an AI lending platform that uses alternative data to underwrite personal loans, primarily in the United States. While geographically different, it is the most prominent scaled comparable in alternative-data credit decisioning and platform-as-a-service lending.
Emerging players
- M-KOPA: M-KOPA provides pay-as-you-go financing for smartphones, solar systems, and other assets to off-grid and underbanked customers across East Africa, with a comparable handset-financing and alternative-credit underwrite use case, though focused on asset financing.
Regional players
- Lulalend: Lulalend is a South African digital lending platform providing working capital loans to SMEs using alternative data and ML, directly comparable to Yabx's Merchant Cash Advance / MSME lending product though limited to South Africa.
- ZestMoney: ZestMoney pioneered AI-driven digital EMI and BNPL lending for new-to-credit consumers in India using alternative data — directly analogous to Yabx's BNPL and personal-loan offerings for thin-file borrowers, though geographically focused on India.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Yabx Technologies social profiles
Digital presenceYabx Technologies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yabx Technologies leadership team
Management profileNumber of profiles
Profiles14 records
Yabx Technologies funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yabx Technologies M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yabx Technologies
What does Yabx Technologies do?
Yabx provides a cloud-based, AI/ML-powered digital lending platform that enables banks, microfinance institutions, and telecom operators to underwrite and serve credit to underbanked and new-to-credit customers across emerging markets. The platform uses alternate data (telecom records, mobile money transactions, social data, geolocation) to build credit profiles, and delivers loans via USSD, mobile apps, web, and embedded third-party channels. Its product suite spans Merchant Cash Advance, Personal Loans, Handset Financing, Bullet Credit, and Overdraft Loans, white-labeled to partner institutions.
Is Yabx Technologies a public or private company?
Yabx Technologies is a private company. It is classified as corporate owned and is currently operating.
When was Yabx Technologies founded?
Yabx Technologies was founded in 2019. It employs 51 to 100 people.
Where is Yabx Technologies based?
Yabx Technologies is headquartered in The Hague, Netherlands, in the Europe region.
How does Yabx Technologies make money?
Three revenue lines are on record. Platform/SaaS Fees from Financial Institutions are the primary driver. The others are transaction Fees on Loan Disbursements and interest Income / Credit Spread.
Who are Yabx Technologies's main competitors?
Direct peers on record are Jumo, Branch International, FairMoney, Carbon (formerly Paylater), Tala and Optasia (formerly Molo Finance). Upstart is listed as a broad incumbent. M-KOPA is listed as an emerging player. Regional players are Lulalend and ZestMoney.
Does Yabx Technologies have an API?
No public API is recorded for Yabx Technologies.
What industry is Yabx Technologies in?
Yabx Technologies's product category is Digital Lending Platform. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 522 and its SIC code is 6153.