_able (ablegroup.io), formerly Credable and part of The Able Group, is a digital credit and savings infrastructure company serving telcos, banks, and fintechs in emerging markets. It provides the underlying technology platform that enables financial institutions and digital operators to configure, launch, and scale embedded credit and savings products.

What does _able offer?

_able offers a unified embedded credit infrastructure supporting term loans, overdrafts, BNPL/checkout loans, salary advances, working capital financing, and device financing — all configurable across tenure, pricing, and repayment structure. It also provides savings and cards solutions, enabling partners to build a full suite of financial products on a single platform.

What makes _able different?

_able's infrastructure-first model means partners configure and deploy multiple credit products from a single system, eliminating the need to rebuild technology for each new use case or market. Its platform delivers measurable commercial outcomes — including up to 5x overdraft transaction volume and 30% BNPL basket size increases — while integrating seamlessly into existing partner transaction flows.

Quick Answer: _able (formerly Credable / The Able Group) provides embedded credit infrastructure for telcos, banks, and fintechs in emerging markets. Its platform enables partners to configure and deploy multiple c...

_able: Embedded Credit Infrastructure for Emerging Markets

_able (formerly Credable / The Able Group) provides embedded credit infrastructure for telcos, banks, and fintechs in emerging markets. Its platform enables partners to configure and deploy multiple credit products — term loans, overdrafts, BNPL, salary advance, working capital, and device financing — across variable tenures (1–365 days), pricing models, and repayment structures from a single unified system, eliminating the need for product-by-product infrastructure builds and delivering measurable uplift in transaction volume and basket size.

Key Facts

Unified platform eliminates per-product infrastructure rebuilds for credit deployment
Demonstrated 5x overdraft transaction volume and 30% BNPL basket size improvements
Covers emerging market telco, banking, and fintech verticals with embedded-first architecture

About _able

_able (ablegroup.io), formerly known as Credable and operating as The Able Group, is a digital financial infrastructure company specialising in embedded credit and savings solutions for emerging markets. The platform serves telcos, banks, and fintechs, providing the underlying technology needed to launch and scale lending and savings products without building proprietary infrastructure from scratch. _able's credit suite covers a comprehensive range of use cases: term loans with configurable ticket sizes and repayment schedules, overdraft facilities with pre-approved limits and dynamic credit setting, BNPL and checkout loans embedded at the point of sale, salary advance products with automatic payroll-linked repayment, working capital financing for SMEs, and device financing. All products are configurable across tenure, pricing, format, and repayment structure through a single unified platform.

Why Choose _able

_able's core differentiator is its infrastructure-first approach: rather than offering a single lending product, it provides a reusable, configurable system that partners can deploy across multiple credit use cases without rebuilding each time. This dramatically reduces time-to-market and technical overhead for financial institutions and platforms operating in complex emerging market environments. The platform supports tenures ranging from 1 to 365 days and has demonstrated a 5x increase in transaction volume for overdraft products and up to a 30% increase in basket size for BNPL implementations. Real-time decisioning, flexible repayment structures, and seamless integration into partner transaction flows mean _able's credit products feel native to the user experience — driving both financial inclusion and sustained customer engagement for partners.

Who Its For

_able is purpose-built for financial services operators and digital platforms scaling across emerging markets. Its primary partners include mobile network operators and telcos seeking to monetise their customer relationships through embedded financial products, banks and microfinance institutions looking to digitise and expand their lending operations, and fintechs needing robust, compliant credit infrastructure without the cost of building it in-house. The platform is also relevant to employers and payroll platforms enabling salary advance products, e-commerce and merchant platforms embedding BNPL at checkout, and device manufacturers or distributors offering financing at point of sale. In short, any organisation that wants to offer credit as part of their customer proposition — without becoming a core technology company — is a natural fit for _able's embedded infrastructure model.

FAQ

What is _able?: _able (ablegroup.io), formerly Credable and part of The Able Group, is a digital credit and savings infrastructure company serving telcos, banks, and fintechs in emerging markets. It provides the underlying technology platform that enables financial institutions and digital operators to configure, launch, and scale embedded credit and savings products.
What does _able offer?: _able offers a unified embedded credit infrastructure supporting term loans, overdrafts, BNPL/checkout loans, salary advances, working capital financing, and device financing — all configurable across tenure, pricing, and repayment structure. It also provides savings and cards solutions, enabling partners to build a full suite of financial products on a single platform.
What makes _able different?: _able's infrastructure-first model means partners configure and deploy multiple credit products from a single system, eliminating the need to rebuild technology for each new use case or market. Its platform delivers measurable commercial outcomes — including up to 5x overdraft transaction volume and 30% BNPL basket size increases — while integrating seamlessly into existing partner transaction flows.