Guama

Guama is a Colombian fintech that issues consumer credit cards and credit products to people without traditional credit histories. The company underwrites using cashflow-based and alternative data by securely connecting customers' bank accounts or accepting account statements, and applies automated models to evaluate income, spending and saving patterns. Guama provides end-to-end digital onboarding, biometric authentication, real-time card monitoring and instant card controls (block/unblock), and a tiered loyalty program (Guama Pro) that rewards timely repayments with higher limits, lower fees, and cashback. The product is designed for transparent fees and simple pricing to expand credit access for underserved and underbanked consumers in Colombia.