Welcome
API Dashboard has created a set of interactive dashboards that showcase and analyze API activity in specific digital markets. This Financial Inclusion Dashboard highlights the importance of open APIs in low- and middle-income countries where APIs can help unbanked populations by connecting them to digital financial services (DFS) from established finance and telecommunications providers.
This dashboard was created as a public good with initial support from CGAP (Consultative Group to Assist the Poor). However, this website is no longer managed by CGAP and CGAP is not responsible for its contents or accuracy.
Which low- and middle-income countries have open APIs available?
APIs by Region
Inclusion APIs
| This Quarter | Last Quarter | Change | |
|---|---|---|---|
| Total APIs in Sector | 833 | 788 | 6% ↑ |
| Companies Offering | 178 | 177 | 1% ↑ |
| Ecosystem Expansion | Lending | Payments |
|---|---|---|
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Name: Hourspent
Category: Ecosystem Expansion & Payments
APIs used: Stripe
Overview: After establishing a global business using Stripe Atlas, Hourspent allows African developers to build global networks as freelancers and receive payments for their services
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Name: BX Blue
Category: Ecosystem Expansion & Payments
APIs used: Banco de Brasil Financial Reports and Payments APIs
Overview: BX Blue provides access to government-subsidised low interest loans based on applicants' wages, which are verified using applicants' bank records via API
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Name: SafeBoda
Category: Payments
APIs used: MTN Uganda
Overview: Scooter rideshare service using MTN's payments APIs in Uganda to enable its partner drivers to receive payments through the app, as well as send payments to friends and family
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| Data | Payments | Lending |
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Name: Numida
Category: Data
APIs used: Beyonic
Overview: Allows small businesses to track expense and sales data, provides coaching, and assists with building evidence of creditworthiness
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Name: Schoolable
Payments: Payments
APIs used: Flutterwave Pay and Flutterwave Get Paid
Overview: Fees collection system for schools and education payments plans for parents
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Name: CredPad
Category: Lending
APIs used: Visa Checkout
Overview: Ecommerce tool that allows buyers to pay for purchases with an instalment plan and allows merchants to offer credit
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| Lending | User Experience (UX) | Savings |
|---|---|---|
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Name: Moon Money Online
Category: Lending
APIs used: MercadoLibre Marketplace
Overview: Uses data on online sales from MercadoLibre APIs to calculate new credit scores and offer microloans to previously undeserved small businesses
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Name: KivaLens
Category: UX
APIs used: Kiva
Overview: A new user interface that makes use of Kiva data to better display available loans and current repayments data in order to support new lenders to make loan decisions
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Name: Piggybank
Category: Savings
APIs used: Flutterwave Pay
Overview: A savings app that debits user’s bank account at agreed intervals to store in a “locked account” that then uses Flutterwave to disburse the savings payment in total on an agreed set date.
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| Lending | Ticketing | Ecommerce |
|---|---|---|
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Name: Paylater
Category: Lending
APIs used: Paystack
Overview: Small business and personal loan product that uses Paystack’s payments APIs to transfer short term loans and to ensure loan repayments are made on agreed schedule.
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Name: Ticketsasa
Category: Ecommerce
APIs used: Pesapal
Overview: A ticketing website that allows users, including small businesses, creatives, and non-profits to register and sell event tickets.
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Name: Buzigo
Category: Ecommerce
APIs used: Orange My Store, Pay With Orange
Overview: A second-hand goods and freelance jobs platform that can list available goods and services within Orange telco’s non-smart phone text menu options.
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Know of other apps built with Financial Inclusion APIs we might highlight? Contact Us
What types of open APIs being made available for financial inclusion?
What communications channels are used by API providers in the emerging platform economy?
Top Communication Channels
How are API Providers Monetizing these new API products?
Business Models for Inclusion APIs
Latest APIs by Business Model
| Free | Developer Pays | Developer Gets Paid | Indirect |
|---|---|---|---|
| BanRegio | VTEX Subscriptions | Paymentwall Mint | Segovia |