Better Health for All

Cab Payments Holdings PLC's core business is providing payment solutions and cross-border payments, which are financial services. The company's products and services are inherently health-neutral. While cash transfers can be used to improve health outcomes, the articles do not quantify the direct health impact of CAB's specific product portfolio. There is no evidence of revenue from products with negative health outcomes, direct safety implications, health-related product pricing, health risks requiring disclosure, R&D focused on health outcomes, direct health externalities, health-related data management, pharmaceutical patents, food products, health education, addiction potential, or clinical trials. Although the company focuses on financial inclusion in hard-to-reach markets, the articles do not quantify the extent to which this translates into equitable health access for vulnerable populations. Internal employee wellness programs, such as training mental health first-aiders

, supporting employee wellbeing during the Covid-19 lockdown , and promoting healthy behaviors , are explicitly excluded from this value category as they pertain to workplace rights. The company's B Corp certification is a general social enterprise certification and does not provide specific, quantifiable evidence of programs addressing health disparities.

Fair Money & Economic Opportunity

Cab Payments Holdings PLC's initiative provided $22 million in trade finance to facilitate grain importation, which enabled 380,000 Mozambicans to access their daily nutritional needs.

This effort targets communities in emerging markets, including Mozambique and other African markets, that have been underserved by other financial institutions. The company aims to strengthen financial pathways for these groups and has cultivated trade finance partnerships to empower smaller entities. For these efforts, it won the Digital Banker: Global Sustainability Finance Awards 2025 for Outstanding sustainable finance – trade finance initiative and was shortlisted for other ESG and trade finance awards in 2025.

Fair Pay & Worker Respect

The company's safety incident rate (TRIR) was 2.12 per 200,000 hours in FY2024.

It reported zero substantiated complaints concerning human rights violations for FY2022, FY2023, and FY2024. Employee engagement is strong, with 93% of workers expressing pride in working for the company, based on 2022 data.

Honest & Fair Business

Investors have called for UK regulators to investigate whether CAB Payments misled shareholders in its IPO prospectus, alleging that risks in its West African markets were not fully disclosed.

The company's market capitalization collapsed from £851 million at its July IPO to £173 million. CAB Payments cited a steep drop in the Nigerian naira and central bank interventions in other African currencies as impacting profit margin and transaction volumes. One investor accused the company of operating in risky parallel markets that other major competitors avoid, although the prospectus did include risk disclosures about African operations.

Planet-Friendly Business

CAB Payments Holdings PLC is a certified B Corp since August 2023

, with an overall B Impact Score of 84.2 based on 2022 data , exceeding the median score of 50.9 for ordinary businesses . The company also achieved Platinum status in EcoVadis , placing it in the top 99th percentile of over 90,000 assessed companies . In 2025, CAB leveraged the Novata platform to aggregate and track over 40 custom sustainability metrics .

Respect for Cultures & Communities

The company sourced approximately 95.7% of its trading goods and raw materials locally.

For its workforce, 57% of employees in Malaysia and 46% in Singapore were local. Cultural sensitivity training completion rates varied significantly across employee levels: 81% for Director-level and Key Senior Management, 33% for Directors, 17% for Managerial, 8% for Executive & Supervisory, and less than 1% for Non-Executive staff.

Safe & Smart Tech

The company demonstrates good regulatory compliance, being regulated by the UK's Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA).

It has established policies and procedures to comply with anti-money laundering (AML) laws and regulations, which are monitored by these authorities. Crown Agents Bank has also obtained an IMTO Licence in July 2025 and a European Licence in April 2024, indicating adherence to relevant regulatory requirements.

Zero Waste & Sustainable Products

In FY2024, Cab Payments Holdings PLC diverted 76.74% of its total waste from disposal, amounting to 16,546.53 tonnes out of 21,561.31 tonnes generated.

The company implemented several waste reduction initiatives, including proper waste segregation and handling, designated processes for food and organic waste, and collaboration with licensed contractors for poultry manure management, totaling at least seven distinct initiatives. For hazardous waste, the company uses licensed waste contractors for disposal and segregates waste, with 81.90 tonnes of e-waste, 0.15 tonnes of rags/plastics/papers/filters, and 5.29 tonnes of lubricating oil directed to disposal in FY2024. Furthermore, there were no non-compliance cases resulting in significant penalties or fines related to wastewater treatment in FY2024.