Financial Inclusion
Access-first products for underserved and unbanked customers — designed for low connectivity, low literacy, and first-time users.
- Low-bandwidth ready
- Vernacular-first
- Agent-enabled
Built for the next user, not just the current one.
We design and build financial products for people most fintech apps leave out — customers on basic phones, patchy connectivity, or their first bank account. That means lightweight interfaces, vernacular language support, and agent-assisted journeys, not just a lighter version of an existing app.
Built for someone's first transaction, not just their hundredth.
What We Deliver
Six areas of work that make up most financial inclusion engagements.
Agent Banking Networks
Branchless banking through local agent networks.
USSD & Feature Phone Banking
Banking access without a smartphone or data connection.
Vernacular & Low-Literacy UX
Interfaces designed for regional languages and low digital literacy.
Micro-Lending & Micro-Savings
Small-ticket credit and savings products for first-time customers.
Alternative Credit Scoring
Credit models that work without traditional credit history.
Government & Subsidy Disbursement
Direct benefit transfer and subsidy disbursement systems.
Our Process
A five-stage engagement, from field research to wide rollout.
Understand
Study the target users' access, literacy, and connectivity constraints.
Design
Design flows that work in low-bandwidth, low-literacy conditions.
Build
Build lightweight apps, USSD flows, and agent-assisted tools.
Pilot
Test with real users in the field before wide rollout.
Scale
Expand access while keeping performance on low-end devices.
Let's build for your next million users.
Tell us what you're building or modernising — a member of the Unlock team will get back to you.