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Global Mobility Service

IoT telematics platform enabling mobility finance and insurance for underbanked drivers in Asia-Pacific

Data & Analytics Growth Series C+
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Overview

Global Mobility Service (GMS) is a telematics and IoT solutions provider for mobility finance and auto insurance, serving financial institutions, vehicle dealers, and logistics operators in Asia-Pacific markets. The company targets unbanked and underbanked drivers who lack traditional credit history, enabling them to access vehicle financing and insurance through behavioral data collected from connected devices.

GMS develops two core products: the MCCS IoT device, a proprietary telematics unit that installs in vehicles to continuously monitor driving behavior and vehicle data, and the Mobility Service Platform (MSPF), a cloud-based open platform that aggregates vehicle data and provides APIs for financial institutions, payment systems, and insurance providers. The MCCS device includes a remote vehicle control actuator to manage loan defaults, while the MSPF was co-developed with Toyota Motor Corporation and TOYOTA Connected to support financial product integration at scale.

Since 2015, GMS has facilitated over 11,000 vehicle loan contracts in the Philippines through its partnership with Saikyo Bank. The company raised a Series E round of USD 13.38M in October 2022 and has attracted 20+ investors. It holds a J-Startup designation from Japan's Ministry of Economy, Trade and Industry and has been recognized by multiple industry awards. GMS operates in Japan, the Philippines, Indonesia, and Cambodia.

Products & Services

MCCS IoT Device

The Mobility Credit Creation System (MCCS) is a proprietary telematics device installed in vehicles to collect driving behavior and vehicle usage data continuously. It transmits data to GMS's cloud platform for credit analysis and enables remote vehicle management.

Key Features

  • Dual-CPU architecture with 3G communication module for 24/7 data capture
  • Remote engine deactivation actuator for loan default management
  • HTTP standard protocol with enhanced security for financial data
  • OBD-compatible installation with support for multiple vehicle types

Target Users: Vehicle financing companies, dealer in-house financing programs, financial institutions

Mobility Service Platform (MSPF)

MSPF is an open cloud platform that aggregates vehicle big data from the MCCS device and provides APIs for financial institutions, payment gateways, and insurance providers. Co-developed with Toyota Motor Corporation and TOYOTA Connected.

Key Features

  • REST APIs for vehicle management, authentication, and data access
  • Integration with banking systems, payment processors, and fraud detection tools
  • Vehicle behavioral data analytics for credit scoring and insurance underwriting
  • Cloud-based secure data management built on AWS and TOYOTA Connected infrastructure

Target Users: Banks, financial institutions, insurers, fintech partners

Personal Auto Loan Solution

GMS offers a usage-based vehicle loan product for underbanked individuals through partner financial institutions and dealerships. Creditworthiness is assessed using telematics data from the MCCS device.

Key Features

  • Credit assessment based on driving behavior and vehicle usage data
  • Loan access for borrowers without traditional collateral or credit history
  • Dealer-integrated origination through in-house financing partners
  • Active across Japan, Philippines, Indonesia, and Cambodia

Target Users: Unbanked and underbanked drivers, vehicle dealers, banks

B2B Logistics Leasing

Flexible vehicle leasing for logistics companies and delivery operators, with financing terms ranging from one month to four years and structures adapted to irregular revenue patterns.

Key Features

  • Short- and long-term vehicle lease options for commercial operators
  • Kei van leasing for last-mile delivery businesses
  • Finance partner risk management tools for lessors
  • Vehicle credit protection for in-house financing dealers

Target Users: Logistics operators, delivery companies, fleet managers

At a Glance

Founded
2013
Headquarters
Tokyo, Japan
Employees
51-200
Funding
Series C+

Category & Focus

Category
Data & Analytics
Subcategories
Telematics Credit Scoring Usage-Based Insurance IoT Data Platforms
Insurance Verticals
P&C Personal Specialty/E&S
Target Customers
Carriers, MGAs/MGUs, Consumers

Customers

  • Saikyo Bank -- usage-based auto loan program; 11,000+ contracts in the Philippines since 2015
  • Gojek (Indonesia) -- financial access for ride-sharing drivers (February 2024)
  • Sumitomo Corporation Group (Philippines) -- driver vehicle purchase funding support (January 2024)
  • Toyota Motor Corporation / TOYOTA Connected -- MSPF co-development and deployment

Links

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Last updated: 2026-05-17