Investment holding · Financial inclusion

Capital that reaches the underbanked.

A Bahrain-based holding company investing in fintech ventures that bring world-class financial services to emerging markets.

3
Fintech brands in Pakistan
400M+
People across our target markets
+3
Strategic markets on the roadmap
Bahrain · Capital base PakistanLIVE Next markets ↗ UAE Saudi Arabia Egypt
Bridging the financial gapPrivate capital rising into high-potential markets
Our brands across markets
Headquartered in Bahrain NOVA Finance · Pakistan VITA · Pakistan YAP · Pakistan
About DFI

We believe access to finance is a right, not a privilege.

DFI International Holding was born from a simple conviction: that where you are born should not decide whether you can save, borrow, or build. From our home in Bahrain, we create and grow fintech brands for the places traditional banking leaves behind — putting fair, human-centered financial tools into the hands of people the system has overlooked.

Our vision is a world where everyone — regardless of geography or circumstance — can take part in the economy on fair terms. Every brand we build is a step toward that world.

Why we exist

We back the technology that opens the door to finance.

Billions of people live without access to fair credit, payments, or savings. DFI invests in fintech ventures that target regions with large underserved and unbanked populations — building local financial infrastructure and expanding access to world-class services.

01

Bridge the gap

Connect regulated capital with markets that incumbents overlook.

02

Empower communities

Put accessible, flexible financial tools directly in people's hands.

03

Build infrastructure

Modernise local payment and lending rails for the long term.

04

Grow sustainably

Support ventures that drive durable, inclusive economic growth.

Our brands

The brands we build and back.

A focused group of fintech brands advancing financial inclusion across emerging markets.

Digital lending · Pakistan
Live

A digital lending brand offering products like Earned Wage Access and instant salary advances to underserved and unbanked communities.

Earned Wage Access Instant salary advance
Visit novafinance.pk →
Live
Fully operational in market
Lending
Digital credit for the underbanked
Payments & kiosks · Pakistan
Pilot

A payments brand piloting self-service cash kiosks for bill payments, mobile top-ups, and wallet transfers.

Self-service kiosks Cashless rails
● Kiosk pilot live
Neo-bank · Pakistan
Growth

A growing digital neo-bank brand — extending our reach into modern, accessible banking.

Neo digital bank Growth stage
Visit yappakistan.com →
How we invest

From capital to access, in four moves.

01

Identify

Target high-potential markets with large unbanked and underserved populations.

02

Acquire & build

Invest in promising brands, or establish new ones from the ground up.

03

License & comply

Operate through properly licensed, locally compliant brands in each market.

04

Scale access

Launch digital products that modernise local financial infrastructure.

Where we operate

Capital based in Bahrain. Impact on the ground.

Headquartered in Manama, Kingdom of Bahrain — deploying into Pakistan's fast-growing emerging market, with a roadmap toward further high-potential regions.

Kingdom of Bahrain
Holding company & capital base — Manama
HQ
Pakistan · Lending
NOVA Finance — digital lending, fully operational
Live
Pakistan · Payments
VITA — self-service cash kiosks
Pilot
Pakistan · Banking
YAP — digital neo-bank
Growth
Let's build access together

Looking for capital that understands emerging markets?

Whether you're a fintech founder, a regulator, or a co-investor — we'd like to talk about expanding financial access where it matters most.

Get in touch Explore our brands
Contact

Talk to DFI.

DFI International Holding W.L.L — registered in the Kingdom of Bahrain. Reach us directly, or write and we'll come back to you.

Registration address

Office 1960, Building 1565, Road 1722, Block 317,
Diplomatic Area, Manama, Kingdom of Bahrain

Mailing address

Level 22, West Tower, Bahrain Financial Harbour,
King Faisal Highway, Manama, Kingdom of Bahrain
PO Box 20705, Manama

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Bahrain Financial Harbour, Manama ↗