CARMA enables credit data for lenders in markets underserved by credit bureaus. We securely monetize available customers' data of any enterprise linking it peer-to-peer to lenders for better credit decisions.

SolarHome is the pioneer in Pay-As-You-Go (“PAYG”) Solar for off-grid households in Southeast Asia. SolarHome installs the IFC-World Bank’s Lighting Global certified integrated solar energy and appliance units in customers’ homes, and offers radically affordable “rent-to-own” plans of energy service subscription. This dramatically lowers the barriers to adoption of solar technology by the bottom-of-pyramid clients. SolarHome is delivering a significant social impact in its addressable market of 27 million households across Southeast Asia living outside of the electric grid. Headquartered in Singapore, SolarHome presently operates in Myanmar. SolarHome was seeded and developed by FORUM, a leading fintech venture builder in Emerging Asia.

Razom (which means “together” in Ukrainian) believes deeply in the enormous potential of dedicated volunteers around the world united by a single goal: a free, democratic & prosperous Ukraine. We work towards our mission by building, amplifying and partnering.

Consumer lending startup series:- development of proprietary software for consumer lending processing- PALS: consultancy service to build up consumer lending function in-house. Focused on huge EU retailers/education/hospitality/sports - Credit risk management agency. Outsource risk management for small non-mono focused banksServices:- the digital recruiting agency to bridge job-seekers from CIS countries and Arab Peninsula employers

Induction program for heads of regional administrations

Study loans for international students in the UK

Buy-now-pay-later lending organization

Buy-now-pay-later lending organization. Market leader at Eastern Ukraine in 2006-2008.

Credit risk and business analysis