Apis creates Impact
The types of impact that Apis creates through investing in growth-stage financial services companies globally is multifaceted:
Scale of Impact | Apis Partners
Scale of Impact
Apis creates impact by investing in growth-stage financial services companies globally
Apis creates Impact
Apis’ Impact is vast
Apis’ Impact is real
Financial inclusion
Enhances economic participation and the ability to cope with shocks and build assets
Financial wellness
Increases the ability to manage day-to-day finances and plan for the future
Financial infrastructure development
Facilitates access to formal financial services and deepens the wider financial system
Business growth
Creates jobs, increases productivity and drives inclusive economic growth
Gender equality
Increases women’s economic empowerment
Jobs and livelihoods
Expands productive employment and decent work
Apis’ Impact is vast
The impact created by Apis’ investments is vast:
Financial inclusion
Enhances economic participation and the ability to cope with shocks and build assets
SDG addressed: 
Financial inclusion is cited as being foundational for long-term economic development and poverty alleviation globally (CGAP), providing low- and middle-income communities with an enhanced ability to participate in the economy, manage risk, weather shocks, and ultimately transcend perpetual poverty.
Access to formal financial services can lead to a number of positive development outcomes (World Bank) including increased consumption, increased productivity, greater investment in preventive health, higher levels of savings, and greater resilience to economic shocks; all of which leads to greater social equity – this is what Apis helps to provide.
244,947,540
people reached 1
by Apis portfolio companies
since Apis first invested
$336.8bn
of payments value processed 2
by Apis portfolio companies
since Apis first invested
$19.48
average transaction value processed 3
by Apis portfolio companies
Financial wellness
Increases the ability to manage day-to-day finances and plan for the future
SDG addressed: 
Enhancing the ability for people to better manage their financial lives and plan for unexpected events strengthens household stability, increases economic participation, and builds long-term resilience (OECD) in both growth markets and developed markets globally.
Financial wellbeing is recognised to have a knock-on effect on almost every other aspect of life, including physical and mental health (MaPS), and so access to tools, products, and services which promote financial wellness and literacy is important for overall wellbeing – this is what Apis helps to create.
$9.1bn
of insurance policies underwritten 4
by Apis portfolio companies
since Apis first invested
$13.7bn
of micro-loans disbursed 5
by Apis portfolio companies
since Apis first invested
32mn
users of financial wellness tools 6
provided by Apis portfolio companies in 2025
Financial infrastructure development
Facilitates access to formal financial services, and deepens the financial system
SDG addressed: 
The development of digital financial infrastructure (as the underlying foundation for the financial system) contributes to global economic development (IGI Global) and the ongoing digitisation of economies globally (Accion).
The ability for consumers and businesses to make non-cash based payments, save funds electronically, and access banking networks and digital financial platforms, is considered as the first step for improving access to formal financial services (CGAP) – this is what Apis helps to develop.
1.2mn
financial services touchpoints 7
operated by Apis portfolio companies
since Apis first invested
689,938
merchants that accept electronic payments 8
served by Apis portfolio companies
since Apis first invested
17.3bn
cashless payments enabled 9
by Apis portfolio companies
since Apis first invested
Business growth
Creates jobs, raises productivity, and drives inclusive economic growth
SDG addressed: 
Strong and inclusive private-sector growth is essential for generating employment and lifting people’s living standards globally (World Bank).
Growth stage companies sit at the intersection of economic expansion, job creation, and community development – this is what Apis is focused on.
$3.8bn
total revenue 10
across Apis portfolio companies in 2025
19.5%
annual revenue growth (in USD) 11
on average for all Apis portfolio companies across Apis' investment period
since Apis first invested
23.5%
annual revenue growth (in local currency) 12
on average for all Apis portfolio companies across Apis' investment period
since Apis first invested
Gender equality
Increases women’s economic empowerment
SDG addressed: 
Advancing women’s economic opportunities is critical to helping to achieve gender parity overall, and creating a more prosperous world for all. Ensuring that workplaces are free of ongoing gender-related discrimination and bias is not only important for enhancing women’s opportunities, though closing the gender gap in labour markets has also been found to lead to outsized business performance (MSCI) and is cited to lead directly to GDP growth in the global economy (IMF).
Investing in women’s economic opportunities can have a multiplier effect on poverty reduction and prosperity, and increasing women’s income has larger household welfare impacts than equivalent income gains for men (World Bank) – this is what Apis facilitates.
112,581,996
women reached 13
by Apis portfolio companies' products and services (estimated) since Apis first invested
25,947
female employees directly employed 14
by Apis portfolio companies
since Apis first invested
37%
of portfolio employees are female 15
across Apis portfolio companies
since Apis first invested
Jobs and livelihoods
Expands productive employment and decent work
SDG addressed: 
Growth-stage companies are the backbone of growing economies and represent scaling proven businesses, formalising employment, and generating ripple effects across entire value chains.
High-growth small, and medium enterprises (‘SMEs’) can create up to 65% of net new jobs in emerging economies (IFC), and they also represent a disproportionately large contribution to employment growth in developed economies (Bank of England) – this is where Apis invests.
1,851,107
SMEs reached 16
by Apis portfolio companies
since Apis first invested
70,929
people directly employed 17
by Apis portfolio companies
since Apis first invested
$578.4mn
of salaries paid 18
by Apis portfolio companies in 2025, flowing through local economies
Apis’ Impact is real
The impact created by Apis portfolio companies is real
Learn more about Apis’ work to create value and social impact is these selected examples from our portfolio:
Learn more about Apis’ work to create value and social impact is these selected examples from our portfolio:
Digital retail banking in Africa
Empowering people to reach their full potential by creating affordable and accessible banking for all
Enables access to banking services and broadens financial participation for the un- and under-banked
Structurally lowers the cost of banking through technology
Reduces household spending pressures through a salary advance account feature
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Current account / savings account | Branchless banking | Shopping loyalty |
80% of customers reported a decrease in amount spent on bank fees
73% of customers reported an increase in savings balances due to GOTyme
67% of customers report they could not easily find an alternative to GOTyme
Source: Case study conducted amongst a statistically significant sample of GOTyme Bank customers
Savings and wealth management platform in the UK
Democratises access to investing by enabling people to build wealth through accessible savings, investments, and ESG-aligned funds
Moneybox’s offering promotes financial inclusion in the UK, given that its target customer focus is the mass-market, a segment previously overlooked by traditional wealth managers
Offers some of the highest cash savings rates in the market for consumers (cash investing is the single largest way the UK population invest their savings)
Fosters financial health in UK society through education and promotion of responsible investing and savings strategies, with a consumer protection focused approach
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Savings accounts | Pension accounts | Investment accounts |
Has enabled over 1.5 million customers to start saving and investing with small amounts
Has achieved carbon-neutral operations with reduced per-employee emissions
Has channelled capital allocation towards ESG-aligned investments
Online payments in Asia
A payments technology company that is playing a key role in Asia’s digital economic growth
Enables access to banking services and broadens financial participation for the un- and under-banked
Structurally lowers the cost of banking through technology
Reduces household spending pressures through a salary advance account feature
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Online payments acceptable | Universal QR code scanning | Pre-paid eMoney account |
55% of Doku’s merchants are gaining first-time access to payment services for the first time
65% of Doku’s merchants consider Doku’s costs to be inexpensive
Over 50% of Doku’s merchants reported marginal increases in income, profits, and financial management ability due to Doku
Source: Case study conducted amongst a statistically significant sample of Doku’s customers
1 Total number of all individual clients served directly by all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
2 Cumulative USD total value of payments processed by Apis portfolio companies offering transaction services over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025; local currency payment value figures from each relevant Apis portfolio company are converted to USD using average respective FX rates for each calendar year
3 Average USD value per transaction processed by Apis portfolio companies offering transaction services (on a cumulative basis) over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025; local currency payment value figures from each relevant Apis portfolio company are converted to USD using average respective FX rates for each calendar year
4 Cumulative USD total value of gross written premium (‘GWP’) underwritten by Apis portfolio companies offering insurance products over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025; local currency GWP from each relevant Apis portfolio company are converted to USD using average respective FX rates for each calendar year
5 Cumulative USD total value of micro-loans disbursed to individuals and SMEs by Apis portfolio companies offering microcredit products over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025; local currency micro-loan disbursement from each relevant Apis portfolio company are converted to USD using average respective FX rates for each calendar year
6 The number of active users of financial wellness tools provided by Apis portfolio companies that support improved financial health and literacy, across Apis Fund I, II, & III, within calendar year 2025
7 Total number of branches, ATMs, agents, and digital touchpoints operated by all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
8 Total number of merchants served by all Apis portfolio companies offering transaction services over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
9 Cumulative total number of payments (volume) processed by Apis portfolio companies offering transaction services over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
10 Total USD revenue of active Apis portfolio companies (non-exited portfolio companies as at 31 Dec 2025), across Apis Fund I, II, & III, within calendar year 2025; local currency revenue figures from each Apis portfolio company are converted to USD using average respective FX rates for calendar year 2025
11 Average compound annual growth rate (CAGR) of USD revenue since Apis’ investment over the respective holding periods for all Apis portfolio companies, over the lifetime of Apis Fund I, II, & III) as at 31 Dec 2025; simple average across all portfolio companies applied; local currency revenue figures from each Apis portfolio company are converted to USD using average respective FX rates for calendar year 2025
12 Average compound annual growth rate (CAGR) of local currency revenue since Apis’ investment over the respective holding periods for all Apis portfolio companies (excluding those portfolio companies which consolidate their financials into USD), over the lifetime of Apis Fund I, II, & III) as at 31 Dec 2025; simple average across all portfolio companies applied
13 An estimate of the total number of people reached by financial products and services from all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025; estimate made using data from the World Bank on share of women with an account at a financial institution or with a mobile-money-service provider, and share of female business owners, and applying this data respectively to the number of individual clients and SME organisational clients served directly by Apis portfolio companies based on their region of operation
14 Total number of female full-time employees of all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
15 Total of female full-time employees as a proportion of total of all full-time employees of all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
16 Total number of all SME organisational clients served directly by all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
17 Total number of all full-time employees of all Apis portfolio companies over the lifetime of Apis Fund I, II, & III, as at 31 Dec 2025
18 Total USD spend on salaries across all employees of active Apis portfolio companies (non-exited portfolio companies as at 31 Dec 2025), across Apis Fund I, II, & III, within calendar year 2025; local currency salary figures from each Apis portfolio company are converted to USD using average respective FX rates for calendar year 2025