AGAM helps the unbanked communities have a financial ID through a single application on mobile phone.
Customers with a financial ID can then access their 'salary advances' from banks as credit. This enhances quality of life through benefits such as security of cash. This financial ID is created by our proprietary intelligent credit scoring system called the Individual Independence Index (iii).
AGAM also promotes financial literacy and educate customers on savings, accessing banking and using ATM machine and mobile payments allowing them to have a greater sense of ownership of money.
AGAM uses the III framework to assess customer growth and uses gamification to incentivise customers to educate themselves and improve their III score. It is a fintech for good system that helps building up customers knowledge and confidence while enhancing their access to formal finance.
As an organization, we adhered to a certain set of values from the time of our inception. We believe this significantly assisted us in growing and developing positive business relations over the years.
We are committed to promoting the highest standards of honesty and integrity throughout our organization.
We are committed to creating an environment where every stakeholder (customers, partners, employees and shareholders) fosters the spirit of trust and respect.
We recognize that our actions impact the community as a whole and are committed to operating at the highest possible standards across all of our activities
We are committed to growing strong relationships with our customers that will make a positive difference to their livelihoods.
AGAM will seek to protect its stakeholders’ values by protecting their interests, honesty, integrity, mutual respect and commitment to its customers by being a good corporate citizen - all of which make up AGAM’s Core Values and will ensure high levels of corporate governance. AGAM shall comply with not only the statutory requirements, but also voluntarily formulate and adhere to a set of strong Corporate Governance practices. AGAM believes in setting high standards of ethical values, transparency and a disciplined approach to achieve excellence in all its sphere of activities.