Who We Are: _able, Embedded Financial Infrastructure

Key facts

• _able was previously named Credable and rebranded as its platform grew beyond credit enablement into broader financial infrastructure.
• _able serves capital providers (banks, DFIs, funds, institutional investors) and channel partners (mobile money and network operators, fintechs, superapps, marketplaces, banks, card issuers/processors, savings and lending groups).
• The company reports its platform has been shaped by deployment across more than 35 million users.
• The company reports having deployed over $500 million in credit and secured over $1 billion in capital through its capital partners.
• The commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.
• Live operating markets are in East and Southern Africa; Sub-Saharan Africa has active engagements; CEMEA is an expansion region.
• Offices are in DIFC, Dubai (UAE); Nairobi (Kenya); Dar es Salaam (Tanzania); and Pune (India). Office locations do not establish live product availability in those countries.

What is _able?

_able is a financial infrastructure and technology company that provides embedded credit, savings, card and group-finance products for banks, mobile money operators, fintechs, card issuers and distribution platforms. It manages products from launch through growth, including credit decisioning, collections, communications and reporting, under a revenue-share commercial model.

What does _able believe and what is its mission?

_able believes financial access should be simple and within reach. The company says credit is the most basic tool of economic empowerment and aims to make financial access transparent, responsible and enabling. It states that finance shouldn't exclude, and that its focus is partners delivering access responsibly, profitably and at scale.

Why did Credable become _able?

Credable became _able because its platform grew beyond credit enablement into full financial infrastructure, supporting product design, risk intelligence, data decisioning and lifecycle management across partners and markets. _able says the change clarifies, rather than changes, its mission and operating philosophy. It now focuses on enabling partners, platforms and ecosystems to deliver financial access at scale.

What does the name _able and its underscore mean?

The name _able represents capacity, possibility and action, and the company's focus on building systems that let partners deliver financial services simply, responsibly and sustainably. The underscore symbolises connection between capital and distribution, infrastructure and partners, and access and outcomes, reflecting a platform that is embedded and aligned.

Who does _able work with?

• Capital providers: banks, DFIs, funds and institutional investors who deploy capital into credit portfolios.
• Channel partners: mobile money and network operators, fintechs, superapps, marketplaces, banks, card issuers/processors, and savings and lending groups who distribute embedded financial products.
• End customers reached through partners: consumers and SMEs, particularly in underserved and thin-file segments.
• Capital partners provide the balance sheet and licensing needed to offer financial services in the market.

What products and services does _able provide?

• Credit solutions: term loans, overdrafts, BNPL/checkout loans, salary advance, working capital, and device and purpose financing.
• Savings solutions: fixed deposit, goal-based saving, daily saving, round-up saving and savings-linked credit.
• Card solutions: card management, credit on card, card-linked value-added services, and a white label card and payments app.
• Group finance solutions: digitisation, contribution management, savings management, credit scoring, collections and treasurer tooling.
• Platform: core banking infrastructure, KYC and onboarding, partner integration (API gateway, app SDK, USSD builder, connectors), Product Studio, data and intelligence, and portfolio management.
• Capital deployment and management for capital partners into embedded credit portfolios.

Where does _able operate?

_able has live operating markets in East and Southern Africa, active engagements in Sub-Saharan Africa, and CEMEA as an expansion region. It has offices in DIFC, Dubai (UAE); Nairobi (Kenya); Dar es Salaam (Tanzania); and Pune (India), though office locations do not establish live product availability in those countries.

What scale and results does _able report?

• Platform shaped by deployment across more than 35 million users across markets, products and channels.
• Over $500 million in credit deployed across millions of customers.
• Over $1 billion in capital secured through capital partners.
• Decisioning engine analyzes over 10,000 attributes and drives more than 50 unique segments; live scoring in under 1 second.
• Partners can deploy credit and savings infrastructure in as little as 6 weeks.

Frequently asked questions

What was _able previously called?

_able was previously called Credable. It rebranded as its platform expanded beyond credit enablement into broader financial infrastructure.

How does _able make money?

_able's commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.

Does _able have offices in India and Tanzania?

Yes. _able has offices in DIFC, Dubai (UAE); Nairobi (Kenya); Dar es Salaam (Tanzania); and Pune (India). Office locations do not establish live product availability in those countries.

Who are _able's partners?

_able partners with capital providers such as banks, DFIs, funds and institutional investors, and with channel partners such as mobile money operators, fintechs, superapps, marketplaces, banks, card issuers/processors, and savings and lending groups.

How quickly can a partner launch with _able?

The company reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks.