Founded in 2010, MODE is a cutting edge, data driven financial digital lender focused on emerging markets.

MODE is constantly expanding. Building on it’s successes while breaking new ground.

MODE has operations in more than 20 countries with a customer base of over 300 million.

The mobile phone is the most ubiquitous communication device in emerging markets. There are three billion unbanked mobile phone users – people with little or no access to traditional financial services.

MODE’s mission is to provide access to financial services (namely micro and nano loans) to all the unbanked by turning their sim cards into credit cards.

MODE’s foundation product is Airtime Credit Service (ACS) – a cashless micro loan. MODE is the global leader in ACS, with 35 live operations carried out in partnership with numerous mobile network operators. MODE has executed close to 7 billion ACS transactions since its launch and is growing.

NANO is MODE’s most recent service offering, delivering micro loans via mobile phones for a multitude of services, products, as well as simply providing access to cash to bridge short-falls.

Our Team