There’s no doubt of the rapid digital progress in Southeast Asia, but financial inclusion remains a major issue. The numbers are startling. Over 60% of the SEA population remains underbanked or unbanked, with millions lacking access to even the most basic financial services.

Unregistered or informal workers make up approximately 70% of the region’s workforce. This issue is magnified as Micro, Small, and Medium Enterprises (MSMEs), which employ nearly 69% of the labour force, often operate without formal credit histories, restricting access to capital and stopping growth.

A lack of financial education for consumers that stems from price sensitivity, and negative experience of hidden fees that prevent them from seeking out insurance or investment products. Those with bank accounts are hardly free to move as they are confined to basic services like savings, without access to financial tools that lead to long-term security and mobility.

Xprizo’s Digital Financial Platform is soon to launch in Asia and will provide a solution. It’s designed for a mobile-audience first to match the fact that 75% of Indonesians own phones compared to only 50% that have bank accounts. A big reason for this shift was COVID-19 as it pushed people to cashless ecosystems. Fundamental for Xprizo’s mission is supporting these underserved communities to bridge the financial inclusion gap. 

One of the key ways for people to gain financial inclusion is with Smarter Credit Assessment. Big data can fill the gap by analysing alternative signals like mobile payments, purchase behaviour, or business app usage — helping lenders make smarter, fairer lending decisions for underserved groups.

Xprizo steps in to eliminate this gap leveraging behavioural and transactional data — such as earnings, spending patterns, and mobile activity — to assess creditworthiness in real time. This provides access to financial services that were previously unattainable.  

Another trend in Southeast Asia is micro-payments as people tend to operate on small budgets where affordability is crucial. Xprizo supports the fractionalisation of payments, enabling users to make small, flexible contributions toward micro-loans, savings plans, or usage-based insurance — without overwhelming their cash flow.  

Accessibility to financial tools should be available to everyone — not just the few. That’s why Xprizo is mobile-first, easy to use, and available in local languages. Whether you’re in a city or a rural village, getting started is just a tap away.  Affordability We design products with real-life budgets in mind. From micro-premiums for insurance to flexible credit options and interest-free instalments, our services make managing money possible for all — without the burden of high costs.

Xprizo is rolling out enhanced product features designed for everyday utility and financial empowerment to further close the inclusion gap:


These include: 

• Multi-currency wallets and international transfers  
• Bill-splitting and simplified payments between friends and family  
• Smart budgeting and spending analytics  
• Integration with popular local payment methods and fintech partners  
• 24/7 access and robust security for peace of mind  

These tools help users actively manage, share, and secure their finances in ways that reflect real-world behaviour.

Xprizo prioritises transparency, education, and data security, helping users understand their options, avoid hidden fees, and build lasting confidence in digital finance.

Southeast Asia’s rapidly evolving fintech space is one that Xprizo is proud to play an active role in. Digital wallets, peer-to-peer lending, and embedded finance are all reshaping how people access and interact with money. 

And finally, we know that no single company can bridge the gap alone. That’s why we’re strong advocates for collaboration — working alongside governments to drive digital adoption, build financial literacy programmes, and co-develop smart regulations that support safe innovation.

With this in mind, we want as many users, businesses, and agents to join the journey. Sign up, download the app, partner with us as a local agent or merchant, or follow Xprizo on social media to stay updated. 

Through this multi-layered approach, Xprizo is creating real change — unlocking access to financial services for the people and communities who need it most.

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Excited about Xprizo’s potential to revolutionise access to financial services in underserved communities? Contact us to learn more about our innovative fintech platform. Click here to explore collaboration opportunities with Xprizo.