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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 QuarterLast QuarterChange
Total APIs in Sector 833 788 6%
Companies Offering 178 177 1%
What Are Some Examples of Apps and Products Being Built using these APIs?

Ecosystem ExpansionLendingPayments
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
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
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


DataPaymentsLending
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
Payments: Payments
Overview: Fees collection system for schools and education payments plans for parents
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


LendingUser Experience (UX)Savings
Category: Lending
Overview: Uses data on online sales from MercadoLibre APIs to calculate new credit scores and offer microloans to previously undeserved small businesses
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
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.


LendingTicketingEcommerce
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.
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.
Name: Buzigo
Category: Ecommerce
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.

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
FreeDeveloper PaysDeveloper Gets PaidIndirect
BanRegio VTEX Subscriptions Paymentwall Mint Segovia