Financial Services
201 - 500Founded in 2012, Optasia is a leading AI-driven fintech platform transforming financial access across emerging markets. Through strategic partnerships with mobile operators, mobile wallets, and financial institutions, Optasia delivers real-time credit and airtime solutions to underbanked populations.
Operating in 38 countries with over 120 million active users, its B2B2X model enables more than 32 million transactions daily. By leveraging advanced AI and proprietary credit scoring, Optasia provides scalable, responsible financial solutions that empower communities, enhance economic participation, and drive digital inclusion—bridging the gap to simple, fair, and accessible financial services globally.
In its early growth phase, Optasia managed expenses through a paper-based process. As the company expanded globally, this approach became increasingly complex and difficult to scale. Employees submitted physical receipts to their accounting teams, who then manually entered the information into the SAP system. This created delays, limited visibility, and a lack of standardized approval flow across global offices.
As the team expanded, the limitations became increasingly apparent. Nothing moved without physical documents, which meant reimbursement timelines depended on when someone delivered a paper file to the accounting department. At that stage, the company had not yet introduced a centralized expense management platform.
In 2019, as Optasia expanded its global footprint, the company strategically implemented Zoho Expense to digitize and standardize expense management across its growing operations. The transition was seamless, enabling Optasia to modernize its expense operations without disrupting its fast-growing global business.
The new interface also made a difference internally.
Every document, including receipts and newly enabled passport uploads for travelers, now lives online. Approvals move smoothly end-to-end, and their customized workflows “are working great,” according to the team.
Optasia also integrated Zoho Expense with SAP ByDesign, allowing approved reports to move into SAP’s expense module, eliminating duplicate data entry and strengthening financial controls.
As part of its ongoing commitment to secure, scalable systems, Optasia implemented single sign-on (SSO) with support from Zoho’s team.
Adoption remained strong across teams, reinforcing the long-term success of the implementation.
Since implementing Zoho Expense in 2019, the platform has continued to scale alongside Optasia’s international expansion, supporting consistent financial governance across its operations in 38 countries.
With Zoho Expense, approvals flow consistently before data reaches SAP, reimbursement timelines are predictable, and travel documentation is managed digitally and securely. With SSO enabled, employees access the platform through a unified and secure authentication framework.
Most importantly, finance operations do not have to wait for physical document movement. Expense management is now digital, traceable, and standardized across global teams.
For over five years, Zoho Expense has remained embedded in Optasia’s daily workflows, including travelers to the CFO’s office. As the company has grown, the system has continued to support operational efficiency without delays, paperwork backlogs, or manual data entry.
A straightforward transformation from paper to a fully digital process gave Optasia exactly what it needed: a clean, predictable, global expense experience that works for everyone.