Tez Financial Services, is Pakistan's first fully digital Non-Bank Microfinance Company (NBMFC). Tez aims to provide frictionless financial access to the unbanked and under-banked population via a smartphone application, driven by powerful algorithms and artificial intelligence. By aggregating credit, savings, insurance, and investments into a single platform, Tez envisions to reduce the financial vulnerability of the long-tail customer, thereby enhancing financial inclusion.