For financial institutions
A UAE acquisition channel you do not have to build.
Reach the Indian diaspora in the UAE through an operation already running in-market. Customers arrive verified, income-validated and matched against the criteria you declare — by API, with their qualification evidence attached.
Who this is for
Banks, NBFCs, MFIs, digital lenders and fintech platforms lending in India that want diaspora customers without standing up a foreign acquisition operation to get them.
Become a PartnerThe problem
Foreign acquisition rarely survives its own economics.
The diaspora is an attractive book: employed, documented, with obligations in India and earnings outside it. The difficulty has never been the customer — it has been the cost of reaching them from India, in a foreign media market, with no way to tell a qualified applicant from an unqualified one until underwriting has already paid to look.
Campaigns that do run tend to deliver applications rather than customers. The volume arrives; the conversion does not. The problem is not demand, and it is not underwriting. It is that qualification happens on the wrong side of the transfer.
What you get
Eight things the channel does, and how each one works.
Every claim below is paired with its mechanism. A value proposition without a mechanism is a slogan, and institutional buyers discount slogans correctly.
- 01
Reach Indian customers living in the UAE
Acquisition runs in-market, in the channels the diaspora actually uses, operated by a team based in the UAE rather than campaigns bought from India.
- 02
Reduce acquisition cost
You pay for qualified customers rather than for impressions, clicks or applications. The cost of reaching the population sits with us, and channel efficiency is our problem to solve.
- 03
Improve lead quality
Identity, employment and income are validated before transfer. A customer arrives with the evidence attached, not with a promise that it exists.
- 04
Reduce irrelevant applications
Matching runs against your declared criteria, so customers who could not meet them are not sent to you. Underwriting capacity goes to files that can convert.
- 05
Expand internationally without building the operation
No UAE entity, no local marketing team, no foreign media buying and no in-market compliance programme. You add a channel; we run it.
- 06
Use qualification data before the transfer
The assessment reaches you with the customer, so your first look at a file is an informed one rather than a cold one.
- 07
Integrate by API
A single documented integration delivers a consistent structured payload for every customer thereafter, with status callbacks in return.
- 08
Measure conversion end to end
Channel through to your own decision, in one view. Both sides see the same numbers, so quality conversations are about data rather than impressions.
Commercial model
Stated openly, because hiding it wastes everyone's time.
Four models, used alone or in combination depending on the product and the stage of the partnership. Specific pricing is agreed per partner and depends on volume, product and the depth of qualification you require.
Qualified lead fee
A fee per verified, qualified customer transferred to you and matched to your criteria.
Success fee
A fee on customers you approve and disburse, aligning our revenue with your outcomes.
Revenue share
A share of the revenue earned on customers originated through the channel, over their life.
SaaS and data services
Access to channel, quality and conversion analytics as a subscription, independent of volume.
Getting started
From first conversation to first customer.
We work with a small number of institutions at a time so each integration is properly supported, and so that outcome data from each partner is dense enough to improve matching for them specifically.
- 01
Criteria review
You share product coverage, eligibility rules, amount ranges and the data you need at transfer. We show you what the matched population looks like against them.
- 02
Commercial agreement
Model, pricing, volumes, data protection terms and the responsibilities on each side, including the explicit position that the credit decision is yours alone.
- 03
API integration
One integration against a documented payload, with a test environment and sample customers before anything live is transmitted.
- 04
Controlled launch
A limited initial volume so both sides can measure quality against real outcomes, then scale on evidence rather than on forecast.
Become a partner
Send us your criteria. We will show you the population.
The quickest way to judge whether the corridor is worth a line in your plan is to see what your own eligibility rules match against.
Setuvio is a technology platform. We do not lend, do not make credit decisions and do not guarantee approval. All credit decisions are made independently by the financial institution.