Simbrella

Simbrella (Baku, first office operating since 2007) is an Azerbaijani fintech vendor and a global leader in mobile lending platforms. Core areas include airtime credit—lending to mobile subscribers for repayment with a premium; embedded finance for banks based on a scoring engine and loan management platform that reduces credit process costs; and Data as a Service—monetizing telecom operators' big data through usage pattern analysis. The company claims a presence in over 25 countries across Africa and Asia, more than 200 million unique clients served, and over 10 billion loans issued. Offices are located in Azerbaijan, the Netherlands, Canada, Ghana, Hungary, and Uzbekistan.