One such company is Yabx, a two-year-old business to business (B2B) startup, founded by Rajat Dayal.
The fintech startup aims to simplify financial access to the un-banked in emerging markets such as Africa, Asia, and Latin America using mobile phones.
Here, the one vantage point which the startup had was access to data, especially from the telecom operators and wallet providers, given the heritage and business of parent company – Comviva.
Rajat believes the differentiating factor of Yabx is its ability to access and analyse data to create different kinds of behavioural model that enable financial access for the underserved population.
In addition, telecom operators have trusted us with the ability to rank and score their end customers,” says Rajat.

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