Sub-K operates through a network of local entrepreneurs as Business Correspondent agents who serve as human ATMs at the last mile of connectivity between the Bank and the end consumer, providing real-time banking and non-banking solutions. The company facilitates business of micro-entrepreneurs through microcredit, insurance, pensions, farm loans, personal loans, vehicle loans, and also offers government payments to citizens, Aadhaar card, PAN card services, and non-banking services. Sub-K seeks to bridge the digital divide and create a ‘financially included’ society, ultimately serving the customers with affordable and accessible digital payment solutions.