Case Study: ABHI achieves 100k+ active customers and instant automated earned-wage access with TurnKey Lender

100k+ active customers in the first months - earned wage advance startup done right

ABHI is a fast-growing Pakistani earned wage access startup (launched 2021) on a mission to give salaried workers instant access to earned pay. To scale a novel credit model that required embedding credit into employer–employee relationships and integrating thousands of businesses, ABHI needed a powerful, flexible automation partner — so it turned to TurnKey Lender to help make wage access instant and effortless for employees while keeping the process seamless for employers.

ABHI implemented the TurnKey Lender Standard platform to automate the full loan lifecycle, leverage granular product settings, APIs, Shariah-compliant rules and flexible UX. With TurnKey Lender powering operations, ABHI scaled rapidly into a network of 250+ companies and 100k+ active customers, delivering instant payouts via mobile app, SMS and WhatsApp, enabling a $90M valuation within months and making EWA a low-fee, instant benefit for workers.

ABHI

Ali Ladhubhai

Chief Operating Officer