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FIDO is a financial institution that provides short-term loans in underserved markets that traditional financial institutions have avoided due to the population's insufficient credit history and inconsistent cash flow. With FIDO, customers are able to pay for unexpected expenses such as family events, school expenses, and health care, as well as to develop and grow small businesses. FIDO's customers can apply for a FIDO loan directly from their own mobile device or in one of FIDO's branches and receive a decision within minutes. The loan is available to salaried, contracted, and self-employed professionals. No collateral or guarantors are required, just a one-time verification of ID and bank account is necessary before disbursement. FIDO is based in Accra, Ghana, and is licensed by the Bank of Ghana.