361 by FINCA

Tailored solutions at scale.

361 by FINCA is developing and piloting a new platform using state-of-the-art banking technology that seamlessly integrates with microfinance institutions.

Help Us Power Financial Inclusion

361 by FINCA:

Powering inclusive financial institutions with modern, customer-centric technology — built to scale.

Designing and delivering customer-centric financial solutions that meet customers’ needs

Meet Fanny, a maize farmer in Malawi. Like most people living in poverty, her income is irregular and unpredictable. When she needs money to grow her business, the microfinance offerings are one-size-fits-all and inflexible. After multiple branch visits and piles of paperwork, Fanny can get a loan. But it’s too small and too late, and she will have to repay it before she can earn a single kwatcha from the harvest.

What would it look like for financial products to actually meet her needs? For FINCA, this is both the challenge and the opportunity.

For millions of low-income customers like Fanny, traditional microcredit products don’t work because the underlying technology doesn’t support a customer-centric approach.

Enter 361 by FINCA, a game-changing technology platform that solves critical pain points for both low-income customers and the financial institutions that serve her.

The 361 Solution

Flexibility

Customers need flexibility, not uniformity. One-size-fits-all solutions don’t work for real people’s lives, especially when it comes to low-income customers.

With 361 by FINCA, institutions can offer flexible financial products tailored to each customer’s needs. 

Scale

The traditional microfinance business model limits scale and relies on high-touch operation with too much manual work for staff and customers alike.

361 by FINCA boosts efficiency and frees staff from manual work, re-using customer data, streamlining workflows, and automating back-end processes.

Cost

To date, modern banking systems have been prohibitively expensive for most inclusive financial services providers to adopt.

361 by FINCA is built as a shared cloud platform, allowing multiple institutions to use the same infrastructure while keeping their data secure and separate. This approach reduces IT, maintenance, and upgrade costs by allowing enhancements to be delivered simultaneously to all users.

The 361 by FINCA Solution

We’re building 361 by FINCA with one end goal: to revolutionize microfinance so our customers can receive more personalized loans faster.

The cloud-based technology platform sits on top of existing core banking systems, making it easy to add modern banking-grade capabilities that will make everything faster, more flexible, and easier to update.

The core features of 361 by FINCA are designed to solve real problems for customers and staff without requiring huge investments of time, capital, or technical expertise.

Automated decision-making and processing

Configure financial products like seasonal loans, revolving credit, embedded finance, or flexible repayment schedules to match customer cash flows.

Capture real-time customer interactions

Add context and trustworthiness to data, providing a living picture of customers’ financial lives to respond proactively.

Offer tailored solutions to customer segments

Enable rapid design, testing, and deployment of products to specific customer groups with individualized terms and risk-based pricing.

Co-Creating Technology with FINCA’s Global Team and Technology Experts

Unlike many technology solutions, 361 by FINCA is not being built in isolation. The platform is being co-created hand-in-hand with FINCA’s team members around the world who deeply understand microfinance operations and the needs of low-income customers.

Our co‑creation model helps us design a platform that is not only technologically strong but also operationally practical, intuitive, and aligned with the mission of advancing financial inclusion.