Scaling financial inclusion for the unbanked in Ghana

Affinity partnered with Mambu to transition from a microfinance lender to a full digital banking provider, after securing a critical licence upgrade to serve the unbanked. With a decade-long partnership and a composable foundation, it has scaled to over 140,000 customers while tripling its loan and doubling its deposit portfolios.
+0K
active customers by end of 2025
~0x
growth in loan portfolio in 2025
0x
growth in deposits portfolio in 2025
AFFINITY AFRICA
About the customer
Affinity is a digital-first financial institution dedicated to banking the unbanked and underbanked population in Sub-Saharan Africa. Operating on a branchless model, they focus on providing affordable, accessible financial services to micro, small, and medium-sized enterprises (MSMEs) and individuals who have traditionally been excluded from the formal economy. With no monthly fees and low transaction charges, Affinity is among the most affordable and cost-effective players.

The company is part of the wider Affinity Africa group and has become a vital driver of economic progress in the region. Their customer base reflects this mission: 65% are new to formal banking and over 60% are women working in the informal sector. By leveraging technology to lower the cost of banking, Affinity Ghana is creating a pathway for financial independence for hundreds of thousands of Ghanaians.