Heru provides a suite of financial products for gig economy workers (Uber drivers, food delivery workers, etc.). Their products include working capital credit, insurance and automated tax filing. It partners with gig economy platforms to offer these.
The company uses Open Banking account aggregation to consolidate transaction data from users' banks and gig economy platforms to provide these services seamlessly.
For its unbanked users, it uses alternative data sources, e.g. Uber or Rappi payouts and earnings. PS: These data sets are not availed under Open Banking legislation, they're market-led).