Lidya is a financial services platform that aims to improve credit and finance access in frontier and emerging countries, with a focus on Nigeria. They enable small and medium businesses to open accounts online in 15 minutes, manage funds, and get the credit they need to expand their enterprises and plan their futures by combining mobile-first technology with a good customer experience and unique credit scoring algorithms. In addition, they’ve developed dashboards and tools to assist businesses in managing their receivables and cash flow in order to improve credit scores and gain access to bigger credit limits and lower rates.