Skyro and Nasim Aliev: How a Partner Network Helps the Fintech Company Develop Lending in the Philippines

Fintech company Skyro remains one of the notable players in the digital lending market in the Philippines. Since entering the local market in 2022, the company has grown from a young service into a platform with a broad partner network through which users can access loans, installment plans, and other financial products.

One important indicator of this growth was the milestone of more than one million loans issued. The total volume of loans processed through Skyro reached approximately ₱11 billion. For the company, this is not just a figure in its reporting, but confirmation that demand for more flexible and understandable financial solutions in the country remains strong.

According to the company’s co-founder and co-CEO, Nasim Aliev sees Skyro’s development not only as business expansion, but also as a contribution to a more accessible financial environment. This approach is especially important in a market where some customers still face difficulties when dealing with traditional banks.

Partner Network as the Foundation of Skyro’s Growth

Skyro’s growth is largely connected to partnerships. The company works with retailers, online stores, banks, service platforms, and points of sale. This format allows customers to apply for a loan where they are already making a purchase decision, without unnecessary steps or complicated procedures.

Skyro’s partner network includes offline stores, online merchants, major brands, and thousands of POS locations across the country. Among the company’s partners, Abenson, Robinsons Appliances, EMCOR, Puregold, and Western Appliances have been mentioned. For the Philippine market, this is an important factor: customers do not always want to go to a bank separately, wait for approval, and deal with paperwork. It is much more convenient when a financial tool is built directly into the familiar shopping journey.

Nasim Aliev emphasized that partnerships help Skyro expand access to financial services for more Filipinos. At the same time, it is not only the geography of presence that matters. The company is gradually building a system in which customers can choose a suitable product, submit an application through a digital channel, and then manage payments in the app.

Banks, Retail, and Service Platforms

To scale lending, Skyro develops relationships with financial partners. Among such partners, Sterling Bank and PBCOM were previously named, with credit lines helping the company support operational growth and meet demand for loans.

Another area is cooperation with services that are well known to mass-market users. Partnerships with PalawanPay and 7-Eleven bring the process of applying for financial products closer to customers’ everyday lives. For many users, this lowers the psychological barrier: the service does not look distant or complicated, but becomes part of a regular consumer experience.

This approach remains relevant in a market where fintech companies compete not only on rates and approval speed. Convenience comes to the forefront: users need to quickly understand the terms, submit an application, and avoid wasting time on unnecessary steps.

Flexibility Through the Skyro App

One of the company’s products is Skyro Flexi. This tool allows customers to manage payment schedules and terms more flexibly through the Skyro mobile app. For borrowers, this function may be more important than it seems at first glance. Salary dates change, urgent expenses appear, and sometimes people need slightly more control over their financial calendar.

That is why Skyro focuses not only on issuing loans, but also on supporting customers after approval. Users can view the schedule, track payment status, and plan their obligations without visiting an office or making long phone calls.

Against the backdrop of millions of downloads of the Skyro app, it is clear that the mobile format remains a key channel for interacting with the audience. For the Philippines, where digital services actively complement traditional banking infrastructure, this is a particularly noticeable trend.

Financial Access Without Unnecessary Complexity

Skyro builds its model around the idea that financial services should be clear, fast, and accessible. This does not remove the need for risk assessment or responsible lending, but it changes the logic of interaction with customers. Instead of a complicated banking process, users get a simpler digital path.

Nasim Aliev noted that Skyro’s mission is connected with enabling more Filipinos to use opportunities that help them solve everyday tasks and achieve personal goals. In this sense, the company operates at the intersection of technology, retail, and consumer finance.

It is also important that Skyro is not limited to a single entry point. A customer may encounter the brand in a store, at an online checkout, through the app, or via a partner service. The wider this network becomes, the higher the chance that a financial product will be available at the right moment.

See also: Redefining Tech Design: The Latest Trends Shaping User Experiences in 2026

What This Stage Means for Skyro

For Skyro, the figure of ₱11 billion in issued loans became not a final destination, but an intermediate result of its development. The company continues to strengthen its partner network, expand digital services, and work to make credit products convenient for different categories of customers.

Skyro’s story no longer looks simply like an example of a fast start. It shows how a fintech company can establish itself in the market through partnerships, technology, and an understanding of local needs. In such a market, it is not enough simply to launch an app. A company needs to be where the customer is and offer a solution at the exact moment when it is truly needed.

Nasim Aliev links Skyro’s further growth to the development of partnerships and the expansion of access to financial tools across the country. For the company, this means continuing to work with retailers, banks, and digital platforms, while for customers it means more options to receive financial support without unnecessary bureaucracy.

Skyro maintains its focus on a practical task: helping people manage everyday needs through flexible financial services. It is this applied approach that makes the company noticeable in the segment and supports interest in its products.