
Zult Impact: Building open financial infrastructure to expand capital access for community lenders
Zult Impact is a nonprofit that builds open, public infrastructure that advances equal access to capital.

Small businesses are key to inclusive growth. Yet many are struggling to adapt to rapid digital transformation, particularly in the wake of the pandemic. Mastercard Strive is equipping ten million small businesses with innovative digital solutions to enable them to build resilience and grow.

This study identifies micro-business barriers and support needs. It also explores two emerging priorities of digital solution use: artificial intelligence and cybersecurity.

Zult Impact is a nonprofit that builds open, public infrastructure that advances equal access to capital.

Mona is a mission-driven fintech that works to expand access to always-on, personalized financial guidance for underserved entrepreneurs.
Data analysis, behavioral science, and conversational commerce provide retailers with insights about their business to drive improved outcomes
Leveraging AI and 300M science-based and impact data points to automatically assess and quantify the non-financial impact of small businesses
Enhancing an innovative MSME Digital Presence Pack (DPP) in Ethiopia to add value for small businesses
Using marketing analytics and transaction data to enable better decision making for MSEs to benefit from operational efficiencies and cost reductions

Enabling small online retailers to resell return items directly between consumers, cutting warehouse costs and waste and reducing transport time for a positive environmental impact

Giving small businesses access to the technology and insights they need to protect their security against cyber threats
A one-stop business OS enabling merchants to access market intelligence data and manage end-to-end cross border procurement effortlessly
Using an AI-powered chatbot designed to deliver crucial information, along with charts and maps, directly via chat.
Enabling small businesses to manage their daily finances through their bank app, saving time, making informed decisions, and improving cash flow management

Businesses using the Lupasafe Cyber Monitor get 24/7 cybersecurity insights to reduce risk and secure staff, finances, data, and reputation.

AI powered sustainability advice and guidance to ensure long term value creation and compliance with EU regulations for small businesses.
Enabling small businesses to bolster their cybersecurity with an affordable, cloud-based and user-friendly platform.

Development and deployment of an AI-powered credit scoring widget to enable small businesses’ instant access to financing.
Fully closing the loop through the development of a plug and play solution that supports multiple circular models—from reuse to resale.

Tailored assessments to drive small business success in AI adoption and optimization IVÆKST’s AI HUB.
A co-creation platform unlocking small businesses’ access to digital tools, bespoke support, and AI-driven insights to build better products.
Building a comparison marketplace for traditional merchants to find the most appropriate tools and solutions to digitize their business operations

A friendly companion chatbot that leverages small business data to access on-demand capital.

A data analytics solution that provides financial institutions with the required climate data to provide small businesses with the necessary funding and know-how.

Testing the potential of virtual reality for training tractor owners to grow their businesses through the Hello Tractor app
Using open data to seamlessly connect small businesses awarded government contracts with financial institutions who can offer them credit.
Testing the viability of a virtuous circle in which businesses performing well in financial training are rewarded with better access to financial services.

Nest addresses the unique needs of artisans and makers, prioritizing their well-being, their communities, and their business interests.

Zult Impact is a nonprofit that builds open, public infrastructure that advances equal access to capital.

Mona is a mission-driven fintech that works to expand access to always-on, personalized financial guidance for underserved entrepreneurs.

Strengthening small business resilience by supplying refillable products through an enhanced mobile app.
This program supports Gynger Care in leveraging AI to simplify the small business onboarding process and enhance its solution.
This program supports POKIT to test and accelerate access to their solution for micro- and small businesses in France.
Data analysis, behavioral science, and conversational commerce provide retailers with insights about their business to drive improved outcomes
Leveraging AI and 300M science-based and impact data points to automatically assess and quantify the non-financial impact of small businesses
Enhancing an innovative MSME Digital Presence Pack (DPP) in Ethiopia to add value for small businesses
Using marketing analytics and transaction data to enable better decision making for MSEs to benefit from operational efficiencies and cost reductions

Enabling small online retailers to resell return items directly between consumers, cutting warehouse costs and waste and reducing transport time for a positive environmental impact

Giving small businesses access to the technology and insights they need to protect their security against cyber threats
A one-stop business OS enabling merchants to access market intelligence data and manage end-to-end cross border procurement effortlessly
Using an AI-powered chatbot designed to deliver crucial information, along with charts and maps, directly via chat.
Enabling small businesses to manage their daily finances through their bank app, saving time, making informed decisions, and improving cash flow management

Businesses using the Lupasafe Cyber Monitor get 24/7 cybersecurity insights to reduce risk and secure staff, finances, data, and reputation.

AI powered sustainability advice and guidance to ensure long term value creation and compliance with EU regulations for small businesses.
Enabling small businesses to bolster their cybersecurity with an affordable, cloud-based and user-friendly platform.

Development and deployment of an AI-powered credit scoring widget to enable small businesses’ instant access to financing.
Fully closing the loop through the development of a plug and play solution that supports multiple circular models—from reuse to resale.

Tailored assessments to drive small business success in AI adoption and optimization IVÆKST’s AI HUB.
A co-creation platform unlocking small businesses’ access to digital tools, bespoke support, and AI-driven insights to build better products.
Building a comparison marketplace for traditional merchants to find the most appropriate tools and solutions to digitize their business operations

A friendly companion chatbot that leverages small business data to access on-demand capital.

A data analytics solution that provides financial institutions with the required climate data to provide small businesses with the necessary funding and know-how.
Discover how Mastercard Strive has supported over 19 million small businesses across 30+ countries since 2021 by providing digital tools, capital, and expert networks to fuel global economic growth.

Discover how the Mastercard Strive EU program is empowering small businesses in Europe through digital tools, access to finance, AI integration, and cybersecurity support for a stronger economy.

Discover how Mastercard Strive EU empowers small businesses with digital tools, AI-driven financial insights, and climate action solutions to boost resilience and overcome growth barriers.

With Arifu and partners accross Sub-Saharan Africa, Mastercard Strive is equiping small business with the digital tools and skills they need to grow.

Mastercard Strive helps small businesses grow by adopting digital payments, improving cash flow management and credit history building without expensive hardware.

Small businesses face cyber threats online; cybersecurity support helps them find weaknesses, respond faster, reduce stress, and grow digitally with greater confidence.

Mastercard Strive works with a global network of partners to support inclusive AI solutions that help small businesses make informed decisions and grow their revenue.

In the United States, Mastercard Strive USA aims to unlock $50 billion in lending capital, engage 600+ ecosystem partners, and strengthen small business ecosystems across the country.
In this video session, we will deep dive into how income volatility affects MSEs and how their responses are shaped by the cognitive biases and perceived frictions that surround them.

Through our partnership with Mayasoft, more than 9,000 small businesses across Uzbekistan are unlocking working capital and building resilience in the digital economy.

Through the Viqtoria program in Ecuador, Mastercard Strive and Impaqto, in partnership with Caribou, have supported 13 innovative tech startups.

ShopUp is helping micro-retailers in rural and semi-urban areas grow their businesses with digital tools, skills, and last-mile delivery support.

INCAE Business School helps women entrepreneurs learn by doing — building skills in finance, operations, digital marketing, and procurement through real-world simulations.

Through Mastercard Strive, we’ve partnered with fintechs and innovative organizations around the world to unlock access to finance and data-driven tools that help small businesses grow and thrive.

In Bucharest, a Mastercard Strive bootcamp gathered key players to explore how Romanian innovations can shape the future of small businesses across Europe.

Mastercard Strive partnered with IMPAQTO to connect small businesses in Ecuador with innovative startups that can equip them with digital solutions to accelerate their transformation.

SoBanHang is unlocking small businesses’ access to credit and leveraging AI to enable them to access market data, make smarter decisions, and manage operations.

Alner is enabling micro and small businesses to buy goods in reusable packaging at lower prices than the single-use plastic options commonly found in the market.

ChatGenie, our partner in the Philippines, has enabled businesses to explore and integrate new shipping and digital payment options through its automated ordering solution.

Africa 118 is supporting thousands of small businesses in Ethiopia to sell and establish a presence online, increase their revenues, and leverage digital marketing techniques to reach new markets.

Through our partnership with Nilus, we’re unlocking credit for women-led micro-retailers, supporting them to provide affordable, healthy food to low-income families.
Our partner in Colombia, Datasketch, is democratizing access to AI, with the potential to reach 65,000 small businesses across Latin America through its AI-powered chatbot.

Small businesses in Samoa need the right digital tools and support to access new markets and make more informed decisions. Our partner, SkyEye Pacific, is supporting them to do just that.
The Mastercard Strive EU program boosts the resilience and growth of European small businesses by surfacing new innovations that support them to go digital, get capital, and access resources.

Ten innovative organizations from across the EU are now set to scale and adapt their digital and data-first solutions to support small businesses across Europe to grow and thrive.
Michael Miebach
MastercardWhen small businesses thrive our local communities and economies thrive, but when they struggle, the impact is widespread. What small business owners need right now is partners who listen to them and develop innovative solutions that help them grow. That’s what makes programs like Strive so critical today and tomorrow.

See how Mastercard Strive Indonesia offers several small business considerations for policymakers and stakeholders.
Nest helps small-scale makers strengthen the business side of their work, connecting them to training, mentorship, and new market opportunities.
Family child care providers make it possible for parents to work and for local economies to function. But these small businesses, despite their importance, are often underserved.
Entrepreneurship is widely supported, but rarely treated as a civic priority. Right to Start is working to change that through grassroots organizing, policy engagement, and entrepreneur storytelling.
What started as an internal push for efficiency using AI has turned into a bigger shift in how Accessity’s team works.

For small businesses, access to capital often determines what’s possible and what’s not — from expanding a storefront, to upgrading online ordering systems, or making payroll through a slow season.

CDFI networks, such as an industry associations or coalitions, function as conveners that capture and reflect the collective voice of members and help their members in many different ways.

The key question that emerged from our work in 2025 was: How do we help small business support organizations not only weather these shifts, but turn them into opportunity?

Learn how MARTA Soft POS is helping small businesses in Uzbekistan accept card payments via smartphones, improve onboarding, and boost digital financial inclusion.

How Alabama leaders are coordinating partnerships, data, and technology to strengthen the small business ecosystem and expand access to resources statewide.

Discover how local governments, mentors, and community networks help small businesses grow sustainably through trusted partnerships and hybrid digital support.

Explore how collaboration, shared technology, and network partnerships are strengthening the U.S. small business ecosystem and expanding access to capital at scale.

This post is by Lucinda Revell, co-founder of Boost Capital, an organization that enables financial service providers to serve customers via popular chat platforms without downloading another app.

Discover how tilt uses sustainability data and green financing insights to help European small businesses measure emissions, access funding, and accelerate their path to net zero.

This post is by ShopUp, a B2B-commerce company that connects mills, brands, and manufacturers to small neighborhood shops.

[The app is] easy to use, my order was processed quickly, and my order was delivered as soon as possible, explains Rose Guanzon Maningas, a sari-sari shop owner in Bulacan, Philippines.

Having more consistent definitions and standards about community lending data is one of the six shifts identified in our survey of small business support leaders.

This blog post is written by Subhashini Chandran, senior vice president, Mastercard Center for Inclusive Growth and Leena Datwani, senior advisor.

In Tashkent, Uzbekistans capital and largest city, Olesya and Azamat are busy running their respective businesses.

This post is by Ragna, a Mastercard Strive EU Innovation Fund winner.

This post is written by MESH, a Mastercard Strive partner and the first online community for young entrepreneurs in Kenyas informal economy.

Emerging lessons show how localized, human-centered AI can help small businesses boost efficiency, access finance, and grow while avoiding new digital divides.

Agnes Fruean sells a little bit of this and that.

Digital technology plays a big role in supporting the resilience and growth of small businesses around the world.

How small businesses worldwide are using data, digital tools, and green financing to drive climate resilience and build a more sustainable economy.

Behavioral nudges and gamification help small businesses adopt digital tools, boosting engagement, sales, and participation in digital marketplaces.

Women-centered last-mile distribution boosts rural sales by empowering women agents with mobility, training, trust, and safer, flexible delivery models.

Social commerce helps small businesses reach customers, boost sales, and access digital payments and credit through social media platforms.

Digital financial services help women-owned small businesses overcome funding gaps, build resilience, and grow through accessible credit, savings, and digital tools.

Consumer protection risks fuel small business distrust of digital finance, highlighting the need for safer, transparent DFS to drive adoption and growth.

Embedded finance helps small businesses access payments, credit, payroll, and insurance directly within digital platforms to boost growth, cash flow, and efficiency.
Learn how digitizing payments boosts small business growth, resilience, and financial inclusion.
Explore best practices for designing digital training programs for small businesses, from microlearning and storytelling to user-centered design.
Learn how outsourcing helps small businesses boost productivity, cut costs, and access global talent.
Discover how digital mentoring boosts small business growth, with evidence, best practices, and strategies for designing impactful mentor programs.
Discover how digital insurance helps small businesses manage risk, build resilience, and close the coverage gap.
Learn how digital measurement helps small business programs track impact, improve decisions, and use real-time data responsibly.
Explore how digital lending is expanding small business access to finance, from fintech credit models to responsible lending practices.
Learn how digital peer networks help small businesses grow through shared knowledge, collaboration, and trust.
