Sub-K is a digital financial intermediary that offers affordable, accessible and scalable financial and payment services to BoP segment. Sub-K seeks to bridge the digital divide, and create a ‘financially included’ society, through a robust and widespread retail distribution network and in-house Fintech solutions.

Sub-K bridges the financial divide between banks and un/underbanked population by effectively leveraging technology and local entrepreneurship. Sub-K creates a high-tech-high-touch operating infrastructure at the last mile to deliver meaningful financial services through a capital light model and a wide distribution network. Sub-K offers savings, credit, remittance, insurance, G2C, and B2C payments as a channel partner for formal financial institutions.

Unlike single product FinTechs and exclusive digital platforms, Sub-K’s innovation lies in offering diversified financial services through digital solutions coupled with last mile connectivity. As a result, our services are cost effective, customer centric, highly accessible, and crafted according to the needs of the financially and digitally excluded population.

Backed by strong impact investors such as BASIX social group enterprise, Michael & Susan Dell Foundation, Accion International, Nordic Microfinance Initiative, and MAJ Invest, Sub-K is a uniquely placed Fintech that is designed to be very flexible to partner with all kinds of financial institutions, be it banks, NBFCs, other Fintechs, insurance companies, brokerages, government systems etc., thus truly serving diverse needs of the end-customers.