For SMBs in underbanked markets, grappling with workplace financial stress and growth challenges, Zimago offers a holistic financial-inclusive platform.
ZimaGo was built on the insight that financial education can itself open the path to credit: it turns a borrower's learning progress into an educational credit score and prices credit off that signal instead of a conventional credit file. Through partner companies it extends credit to underbanked minimum-wage employees at small and medium-sized employers.
Its differentiation sits in the risk model: the educational credit score values engagement and behaviour over past credit records, and the platform positions itself against the informal 'gota a gota' lenders its customers would otherwise use. The customer base is specific rather than diversified — minimum-wage employees at small and medium-sized companies, reached through the employers that offer the benefit, with a focus on labour-intensive sectors such as healthcare, manufacturing and retail.
