In today’s fintech landscape, the phrase “Financial Inclusion” has graduated from a noble aspiration to an urgent mandate. The real magic lies in weaving robust Anti-Money Laundering (AML) and compliance measures into financial systems without freezing out the underserved—that’s where ZIGRAM shines.

As one of the star innovators at Global Fintech Fest (GFF) 2025, ZIGRAM is spotlighting it’s “RegTech For The World” mission to merge frictionless onboarding with bulletproof AML safeguards. GFF 2025, themed “Empowering Finance for a Better World — Powered by AI”, proudly champions Inclusion, Innovation, and Intelligence values that ZIGRAM embodies through its versatile compliance suite.

This article takes you inside how ZIGRAM’s products tear down barriers, think fast, are multilingual, provide scalable screening while maintaining rigorous risk controls. We’ll also spotlight real-world success stories where tech-driven AML fosters inclusivity, and close with how ZIGRAM’s showcase at GFF 2025 solidifies its role as a regulator-ready engine for inclusive fintech.

Why Inclusivity in AML Isn't Just Ethical, It's Business Smart

Let’s be real! When KYC protocols demand mountains of paperwork, many potential users, like rural entrepreneurs, gig workers, or refugees, fall through the cracks. For fintechs, that’s not just a compliance strategy, it’s lost markets, diminished scale, and a mission unfulfilled.

Inclusive RegTech changes that game. Tiered onboarding, AI-powered data verification, smart ML monitoring together ensures safety that doesn’t become inequity. These tools allow microfinancers, mobile wallet providers, and emerging-market banks to onboard responsibly and expansively.

Also, beyond ethics, it drives results. For example, mobile money platforms like M-Pesa in Kenya dramatically expanded access by pairing accessibility with compliant, secure systems – helping push financial inclusion from ~26% in 2006 to an impressive 84% by 2021. ^[1]

With GFF amplifying inclusion, ZIGRAM is primed to lead its RegTech solutions that provide not just compliance, but a growth engine across geographies.

ZIGRAM’s "Complete AML System": Compliance that Opens Doors

ZIGRAM isn’t about brick-wall security, it’s a welcome mat. Here’s why each solution is a catalyst for inclusive access:

PreScreening.io fast tracks real-time screening across global watchlists, PEPs, sanctions, and adverse media – all via API. It is perfect for onboarding first-time mobile users in underserved areas without excess friction. With configurable risk rules and disambiguation logic, only truly risky users are flagged. This is perfect name screening tool for reliable, consistent and continuous monitoring.

Transact Comply balances real-time transaction monitoring with agility. Fintechs serving small-ticket microloans or remittances gain full protection without sacrificing speed. Other features include reviewer workflows, callback APIs, dynamic rule engine and automated entity capture – all tailoring the system for inclusivity at scale.This is the best transaction monitoring solutions which is cost effective and scalable for all users from small to large businesses.

SMEs in remote regions, often with limited documentation, can get users onboarded wisely through entity risk scoring and streamlined workflows with Entity Hero. It supports SFTP, rule libraries, and efficient review processes which makes onboarding even smoother. Easier customer risk rating means easier onboarding and quick to serve all sections of the society without worrying about AML compliance.

Together, these tools form our “Complete AML System” transform compliance from a gatekeeper into a springboard – a pathway to frontiers, not a blockade.

Relatable Success Stories: Where AML Meets Inclusion

Launched in 2007, Safaricom’s M-Pesa became a financial inclusion powerhouse. By 2021, its reach expanded from just 26% financial access to 84% of Kenyans using either bank or mobile money accounts. ^[1]
This stride was powered by a simple, mobile-first design that balanced speed with security – showing that inclusive design and AML aren’t mutually exclusive.

Eswatini began licensing mobile money operators as early as 2011. Secure, digital ID checks and transaction limits enabled efficient AML/CFT compliance while expanding access: by 2018, 71% of adults and 62% of MSMEs used mobile money. ^[2] A clear model for compliant inclusion.

A 2020 study examined six African financial service providers. The key insight? Inclusive compliance models which are risk-based and cost-aware that empower access while controlling risks.^[3] It’s a blueprint that tailor AML requirements by risk profile, not broadbrush mandates.

Lesson Learned: These cases prove that AML can be a support, not a barrier, to inclusion only if it’s automated, intelligent, and risk-calibrated.

ZIGRAM at Global Fintech Fest 2025: Where Innovation Meets Inclusion

At GFF 2025, ZIGRAM isn’t just another stand in the expo – it’s a beacon of inclusive transformation.

Live Demos of PreScreening.io, Transact Comply and Entity Hero, showcasing how onboarding can be lightning-fast, even for remote users.
Panel Sessions in tracks like “Rural Finance” or “AI & Compliance,” where ZIGRAM can share inclusive AML playbooks learned across continents.
Data Visualizations, highlighting multilingual assets and adaptive monitoring—built for both scale and coverage.
Networking with Mission-Driven Fintechs, forging partnerships with players serving underbanked, rural, and micro segments.

With over 100,000 attendees, 800+ speakers, and 400+ exhibitors expected, GFF is a launchpad and ZIGRAM is set to take flight, not just as a tech vendor, but as a mission-forward movement.

The ZIGRAM Inclusive Impact Promise

At ZIGRAM, inclusivity isn’t a toe dipped into compliance – it’s the engine that drives our entire design philosophy. Our solutions are not just built to meet regulatory requirements – they’re crafted to accelerate access for all, especially underserved communities often sidelined by traditional systems.

ZIGRAM constructs its RegTech stack with one goal: “RegTech for the World.” With a suite that spans over 3,250 global watchlists, 9 billion+ content items, 250 jurisdictions, and 45 languages, we deliver multilingual, globally contextual compliance data, meaning no user is left behind by language or location barriers.

PreScreening.io, Transact Comply and Entity Hero, our platforms are digital-first and low-friction, enabling instant onboarding and risk evaluation. This self-serve, scalable approach is perfect for fintechs, micro-lenders, rural banks, and even NGOs, any institution serving far-flung or resource-constrained user bases.

In July 2025, ZIGRAM earned membership in FACE, the RBI-recognized Self-Regulatory Organization for Indian fintechs. This underscores our steadfast dedication to responsible innovation, consumer protection, and ethical compliance thereby building credibility in inclusion-driven markets.

We were honoured with the 2023 Best Risk Screening Technology Provider of the Year award, recognizing our effective, scalable, and inclusive SaaS solutions that transform AML into an enabler, not a blocker.

Inclusivity starts from within. With over 50% of our workforce comprised of women and certification as one of India’s Best Workplaces for Women and Great Place to Work, ZIGRAM fosters a diverse, equitable, and inclusive organizational ethic which fuels the inclusive spirit baked into our solutions.

For Fintech Startups: Rapid, compliant onboarding lowers costs and fuels growth, even in previously unreachable regions.
For SMEs & Micro-Lenders: Efficient risk assessment supports underserved entrepreneurs through scalable compliance.
For Emerging Markets & Crypto Players: Inclusive AML enables access without compromising global standards.

With ZIGRAM, compliance becomes empowerment. We don’t just open doors – we ensure no one is left standing outside.

Conclusion

In a world where inclusion and compliance often clash, ZIGRAM is offering a different reality that AML can advance access when done smartly. Our Complete AML System which is comprised of fast screening, adaptive monitoring, entity insight, multilingual data assets turns exclusion into empowerment.

Lean on the M-Pesa story, Eswatini’s mobile money success, and Cenfri’s inclusive models, these aren’t just abstract examples; they’re proof compliance can include.

At Global Fintech Fest 2025, ZIGRAM steps into the spotlight as a champion for inclusive fintech where security meets access, and integrity meets innovation.

In the end, finance is a universal language. With ZIGRAM, it’s also universally accessible.