Kiu means "Bridge". Kiu is a digital bridge connecting people, communities, countries and banks together with SMEs and MSMEs to help businesses to access capital in Asia. Kiu started over 5 years ago as a project to identify the issues faced by farmers MSMEs and SMEs. After interviewing over 600 business owners; Kiu Founders identified that access to finance and digitization are the key needs of these business owners. With high financial institution rejection rates, non-existent credit histories and no collateral to put up in order to qualify for loans being the most common problems that these small business owners face. Kiu pioneered the idea of software in the cloud for the emerging markets and creating impact using our technology to help SMEs and MSMEs in the ASEAN whom are traditionally rejected by traditional financial institutions for loans and credit.