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

MODE is at the forefront of mobile financial technology, providing airtime credit and micro loans to millions of mobile phone users across Africa, Middle East and Asia.

MODE’s mission is to deliver easy and convenient access to financial services through technology.

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.