Akulaku stands out not only for its scale but for its ingenuity in funding innovation. What truly differentiates Akulaku is how it funds its loan book — blending traditional debt, risk-sharing, and revenue-linked financing to fuel growth without excessive dilution or risk exposure.

Akulaku began in 2016 as an e-commerce platform offering customers the ability to purchase goods on installments. In a market where fewer than 3% of Indonesians had access to credit cards, this innovation quickly resonated. Akulaku wasn’t just helping people shop — it was pioneering digital lending in one of the world’s largest underbanked markets.

Fuliza is Safaricom’s overdraft / short-term credit service that allows users to complete M-PESA transactions even if their account lacks sufficient funds. Find out how they did it…

Nearly 11 years ago, two giants in their fields—Safaricom, the telco behind M-PESA, and the Commercial Bank of Africa (CBA)—joined forces to launch M-Shwari…