Embedded Finance Platform Monielink enables banks and fintechs to embed digital banking and payments capabilities into their own apps via a single Super SDK. This creates a fast path to market for embedded finance with modules for payments, issuing, merchant acquiring, lending, KYC, authentication and loyalty that sales teams can pitch as a turnkey solution.

Virtual Credit Edge The patented Dual Transaction Service allows pre approved customers to access virtual credit using their existing debit cards without issuing new physical cards. This offers a cost efficient way for lenders and platforms to scale credit in emerging markets and opens cross selling opportunities for card acceptance and digital lending.

Inclusion Growth Montra focuses on moving from cash to digital payments and serving both banked and underserved populations, creating opportunities to partner with financial institutions seeking to expand financial inclusion. The platform covers digital accounts, payments, credit, insurance and investment products to reach new customer segments.

Africa Market Leadership With leadership in West, Central and Eastern Africa and a broad credit program footprint, there is a compelling case to partner with regional banks and fintechs to scale the model in other emerging markets, leveraging Montra experience and credibility.

Merchant Ecosystem The integrated consumer and merchant platform supports payments, marketplace access, online selling and loyalty, creating clear upsell opportunities for merchants and marketplaces to adopt Montra ecosystem services. This enables cross selling of digital accounts, lending, insurance and investments to SMBs and individuals.