FinAccel

Kredivo Group, formerly known as FinAccel, is a Southeast Asian provider of digital financial services, offering digital credit and banking to underbanked consumers through its brands Kredivo, KrediFazz and Krom. The group operates in Indonesia and Vietnam, and has raised over $821 million in funding at a valuation of approximately $2.5 billion.

Its flagship product, Kredivo, is described as the leading digital credit platform in Indonesia and Vietnam. It provides instant credit financing for e-commerce and offline purchases as well as personal loans, underwritten by proprietary AI-enabled real-time credit decisioning. KrediFazz serves underserved consumers elsewhere in the region, while Krom (Krom Bank Indonesia) is the group's neobank operation in the country.

The company's stated market is millions of underbanked consumers across Southeast Asia. According to the group, 66% of the region's population is unbanked or underbanked, and fewer than 10% of Indonesia's middle class holds a credit card. The stated mission is to make financial services fast, affordable and widely accessible.

Technical work spans machine learning and proprietary decisioning models, digital banking, point-of-sale and e-commerce financing, and consumer product and UX design. The group emphasises a user experience intended to make managing money feel intuitive rather than intimidating.