AI-driven financial
inclusion — Finclude.
TTSA holds a strategic investment in Finclude, an AI-powered platform extending credit and banking access to underserved populations across the Eastern Mediterranean and beyond.
What Finclude Does
Finclude uses machine learning and alternative data sources — mobile usage, utility payments, behavioural signals — to assess creditworthiness for individuals and SMEs who lack traditional credit histories.
This addresses a significant gap in the markets where TTSA operates: large segments of the population across Southern Europe, North Africa and the Middle East remain underserved or excluded from formal credit and banking systems.
Why TTSA Invested
The investment aligns with TTSA’s regional thesis and infrastructure orientation — Finclude is building rails for financial access in the same geographies where TTSA is building connectivity infrastructure. The two are complementary: digital access enables financial access.
Strategic Fit
- Operates across TTSA’s core geographies (SE Europe, MENA)
- AI-native platform with proprietary underwriting models
- Addresses structural financial exclusion — large addressable market
- Complementary to TTSA’s connectivity infrastructure thesis