People living in developing countries often lack a secure and accessible way to get a loan. Local financial institutions are focused on serving informal or semi-formal employment sectors, making it nearly impossible for small lenders to access credit and develop a financial history. FIDO's solution was to bridge this gap by providing financial services through a convenient online platform. FIDO's customers can apply for a short-term loan via a specialized mobile app or by visiting one of FIDO's branch offices. They get a credit decision onsite and receive their money within just one day. The loan is available to working professionals, be they employees or self-employed. There's no need for collateral or guarantors. The company asks its clients only for valid ID and a bank account to include them in the system.