MFOs are joining ‘Dii’ – what will change for borrowers

Katerina Melnychenko
Katerina Melnychenko Deputy Editor-in-Chief
MFOs are joining ‘Dii’ – what will change for borrowers
Microfinance organisations are now able to operate via ‘Diyu’, photo: LIGA.net
Since April 2026, microfinance organisations have been able to integrate with ‘Diya’ to speed up customer identification. For borrowers, this means a shorter application process, but it also raises questions about the extent of access to personal data and new rules governing the credit market.

This is reported in an article on LIGA.net.

Full customer identification at microfinance organisations connected to the ‘Dii’ services now takes not up to five days, but around three minutes.

For borrowers, this means a simplification of the loan application process itself. At the same time, the article emphasises that this effectively marks the beginning of a change in the rules of the game in the microcredit market.

From April 2026, MFOs will be able to integrate with “Dii”. This will enable them to verify customers more quickly and offer them higher credit limits.

Against the backdrop of this new level of convenience, another question arises: what exactly happens to users’ personal data? The article emphasises that this is a particularly sensitive issue, given the scale of the market itself.

How many companies have already joined

In total, there are nearly 400 microcredit companies operating in the market. However, as noted, only four have connected to “Diya” so far.

Thus, the new mechanism has not yet become widespread across the entire segment, but is already setting a new standard for interaction between MFIs and customers.

As reported by ThePublic, from 10 April 2026, a new entry and exit procedure came fully into effect at the external borders of the 29 European countries operating the Entry/Exit System. For Ukrainians travelling on short-term visits, this means the end of manual stamps in passports, the first biometric registration and a new digital record of journeys.

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