vasGO Inclusive Finance

Key Features

Inclusive Financial Solutions

Discover the powerful features that make vasGO Inclusive Finance the preferred solution for financial inclusion.

Microloans & Credit Access

Empowering Small Businesses

Enable small businesses and entrepreneurs in underserved areas to access credit and financing, fostering economic growth.

Instant Approval Decisions - AI processes applications in minutes, using predictive analytics to reduce default risk while expanding approval rates by 30%.
Flexible Repayment Models - Dynamic loan terms adjust to cash flow patterns (e.g., daily/weekly repayments via mobile money).
Financial Inclusion Tools - Embedded budgeting and literacy resources help borrowers build credit profiles over time.
Group Lending Support - Digital cooperatives and peer-guarantee systems minimize risk for unbanked applicants.

Microloan Calculator

See how our flexible loans can work for you

Loan Amount

Ksh 100 Ksh 5,000

Loan Term (weeks)

4 weeks 52 weeks

Your Loan Summary

Weekly Payment: Ksh 43.75

Total Repayment: Ksh 525.00

Effective Rate: 5.00%

Affordable Digital Payments

Low-Cost Financial Transactions

Provide low-cost digital payment solutions that help businesses and individuals in underserved regions participate in the global financial ecosystem.

Ultra-Low Transaction Fees - Costs up to 90% less than legacy systems with tiered pricing for microtransactions (
Offline & Low-Bandwidth Access - USSD/SMS compatibility for feature phones and batch processing for areas with intermittent connectivity.
Localized Payment Options - Mobile money integrations (M-Pesa, Airtel Money, etc.) and cash-in/cash-out agent networks in rural areas.
AI-Driven Cost Optimization - Dynamic routing selects most affordable payment channels and predictive liquidity management minimizes fees.

Payment Methods

Accessible payment options for everyone

Mobile Money

Send and receive payments using popular mobile money services like M-Pesa, Airtel Money, and more.

USSD Payments

Make transactions using simple USSD codes on any mobile phone, no smartphone or internet required.

Agent Networks

Access cash-in and cash-out services through our extensive network of local agents in rural areas.

Bank Transfers

Connect to traditional banking systems with reduced fees and faster processing times.

Mobile Money Integration

Seamless Digital Financial Services

Support mobile wallet services like M-PESA, Airtel Money, and others, connecting people to digital financial services.

Universal Wallet Connectivity - Single API integration supports 50+ mobile money providers across Africa, Asia, and Latin America with real-time settlement between wallets, banks, and merchants.
Last-Mile Financial Access - USSD/SMS compatibility enables transactions on basic phones and agent network integration for cash-in/cash-out services.
Smart Transaction Routing - AI selects optimal wallet providers by region/transaction type and auto-converts currencies between wallets at lowest fees.

Mobile Money Experience

Simple, accessible financial services

Main Menu

Send Money

Transfer funds to family, friends or businesses

Check Balance

View your current account balance

Loan Services

Apply for microloans or check status

Pay Merchant

Make payments to businesses

Recent Transactions

Sent to Sarah M.

Ksh 25.00 • Today, 10:45 AM

Received from John K.

Ksh 50.00 • Yesterday, 3:20 PM

Paid to Local Market

Ksh 12.50 • Yesterday, 11:15 AM

Empowering Women Entrepreneurs

Gender-Inclusive Financial Solutions

Offer tailored financial products to support women-led businesses and promote gender equality.

Gender-Smart Financial Products - Microloans with alternative credit scoring (analyzing mobile money history, supplier relationships), group lending circles with digital management tools, and revenue-based financing (repayments adjust to sales cycles).
Barrier-Free Access - Mobile-first design requiring only basic smartphones, local language interfaces & voice navigation support, and community agent networks for cashless onboarding.
AI-Driven Support Ecosystem - Personalized financial literacy content, peer-to-peer mentorship matching, and marketplace connections to women-friendly suppliers/buyers.

"vasGO Inclusive Finance changed my business completely. I was able to get a microloan to expand my small grocery store, and the mobile payment system made it easy for my customers to pay. The financial literacy training helped me manage my money better, and now I'm even employing two other women from my community."

Saran Mwangi

Small Business Owner, Nairobi

"As a rural farmer, I never had access to banking services before. Now with vasGO's mobile money integration, I can receive payments for my produce directly to my phone and save money for the future. The group lending feature helped me get a loan to buy better equipment, and my harvest has increased by 40%."

Marian Gonzalez

Farmer, Rural Colombia

Our Impact

Driving Positive Change

See how vasGO Inclusive Finance is transforming communities and economies.

Impact Metrics

Measuring our contribution to financial inclusion

Users Served

Microloans Issued

Women Entrepreneurs

Countries Reached

Economic Growth

Drive local economies by increasing access to essential financial services. Our microloans and payment solutions help small businesses expand, create jobs, and contribute to sustainable economic development in underserved communities.

Financial Literacy

Provide communities with tools and knowledge to succeed in the digital economy. Our educational resources and personalized guidance help users build financial skills, make informed decisions, and plan for a more secure future.

Business Participation

Encourage small businesses to enter the formal financial system and expand their reach. By providing accessible financial tools and services, we help entrepreneurs formalize their operations, build credit histories, and access new markets.

Our Solutions

Comprehensive Financial Inclusion

Explore our suite of solutions designed to address the diverse financial needs of underserved communities.

Microfinance Solutions

Our microfinance platform enables financial institutions to extend small loans to entrepreneurs and individuals who lack access to traditional banking services.

Group lending models with shared accountability
Flexible repayment schedules aligned with income patterns
AI-powered credit scoring for the unbanked
Digital loan disbursement and repayment
Business development support and mentoring

Savings Solutions

Our digital savings platform helps individuals and communities build financial resilience through accessible and secure savings options.

Digital village savings and loan associations (VSLAs)
Goal-based savings with automated contributions
Group savings with transparent management
Micro-savings with no minimum balance
Interest-bearing accounts for long-term growth

Micro-Insurance Solutions

Our micro-insurance platform provides affordable coverage options to protect vulnerable individuals and businesses against unexpected risks.

Health insurance with mobile-based claims
Crop and livestock insurance for farmers
Funeral and life insurance with simple enrollment
Business insurance for micro-entrepreneurs
Pay-as-you-go premium options

Digital Payment Solutions

Our inclusive payment platform enables secure, affordable, and accessible digital transactions for everyone, regardless of their banking status.

USSD-based payments for basic phones
QR code payments for merchants
Agent banking network for cash-in/cash-out
Bill payments and utility services
Cross-border remittances at low cost

Financial Education

Our financial education platform empowers users with the knowledge and skills needed to make informed financial decisions and build a secure future.

Interactive mobile learning modules
Voice-based education in local languages
Gamified learning with rewards
Personalized financial advice
Community workshops and training

Applications

Real-World Impact

See how different communities are benefiting from vasGO Inclusive Finance solutions.

Rural Entrepreneurs

Small business owners in rural areas use vasGO Inclusive Finance to access working capital, build credit history, and grow their businesses despite limited banking infrastructure.

65% increase in business income
40% growth in employment creation
Expanded market access through digital payments

Women's Empowerment

Women's savings groups use our platform to digitize their operations, access larger loans, and create economic opportunities in their communities.

10,000+ women's groups supported
70% increase in household savings
Improved financial independence

Smallholder Farmers

Farmers use vasGO Inclusive Finance to access seasonal loans, crop insurance, and digital payments for their harvests, reducing vulnerability to climate and market risks.

45% increase in agricultural productivity
30% reduction in post-harvest losses
Protection against crop failure

Urban Informal Workers

Informal workers in urban areas use our solutions to build savings, access emergency loans, and create a financial safety net despite irregular income patterns.

55% reduction in high-interest debt
Improved resilience to income shocks
Pathway to formal financial inclusion

FAQ

Frequently Asked Questions

Find answers to common questions about vasGO Inclusive Finance.

Our alternative credit scoring system uses AI and machine learning to analyze non-traditional data points that can indicate creditworthiness. These include mobile phone usage patterns, utility bill payment history, digital transaction records, and even psychometric assessments. This approach allows us to assess the creditworthiness of individuals who lack traditional credit histories or formal documentation, enabling financial institutions to extend credit to previously excluded populations while managing risk effectively.

Our platform is designed to be accessible with minimal technology requirements. Users can access our services through basic feature phones using USSD codes, which don't require internet connectivity. For those with smartphones, we offer a lightweight app that works even in low-bandwidth areas. We also support offline functionality for areas with intermittent connectivity, with data synchronization when connection is restored. Additionally, we work with local agent networks to provide assisted access for those without phones.

Security is paramount, especially for vulnerable users. We implement multiple layers of protection, including PIN-based authentication, biometric verification where available, and transaction limits to minimize risk. Our platform uses end-to-end encryption for all data transmission and storage. We also provide extensive user education on security best practices, such as PIN protection and fraud awareness. For users with limited literacy, we offer voice-based security prompts and visual cues. Additionally, our fraud detection systems monitor for unusual patterns to prevent exploitation.

We measure impact through a comprehensive framework that tracks both financial and social outcomes. Key metrics include the number of previously unbanked individuals reached, growth in savings and assets, reduction in high-interest debt, business growth for entrepreneurs, and improvements in financial resilience. We conduct regular surveys to assess changes in financial behavior and well-being. We also work with independent research partners to conduct rigorous impact evaluations using randomized controlled trials and other methodologies to establish causal relationships between our interventions and outcomes.