Founded in 2015 and based in Singapore, AND Global provides accessible finance to under-banked individuals through its machine learning-based credit assessment system. Their platform provides instant credit scoring and unlocks access to unsecured personal loans and payment options instantly to customers on their mobile devices. Their first and most successful product, LendMN, is a smartphone-based personal loan platform that assesses credit risk and reduces lending costs while providing financing to under-banked individuals. AND Systems, their R&D subsidiary, is located in Ulaanbaatar, Mongolia.