Yabx leverages mobile devices and digital footprints to provide financial control and choice to underserved populations. Through partnerships with telecom operators, banks, microfinance institutions, and others, Yabx reduces the cost of delivering financial services and offers tailored digital loan products ranging from $15 to $500. These loans are based on individual credit scores determined by advanced analytics using mobile usage data. Yabx, incubated by Mahindra Comviva, operates in multiple locations and aims to democratize financial access for over two billion unbanked individuals in Africa, Asia, and Latin America.