The YONO journey.

From bills to bites, YONO keeps life moving.

Our Story: Where it all began

YONO (You Only Need One) was launched in 2023 as an initiative by Sabah Credit Corporation, backed by the Sabah State Government, with a mission to transform the way people manage money and support local businesses.

Born in Sabah, YONO is more than just a financial app – itʼs a superapp designed t o simplify life. With features like instant loan approval and disbursement, smart financial planning tools, cashback rewards, and an ever-growing network of local merchants, YONO puts convenience and empowerment directly into the hands of its users.

At its heart, YONO is about community. Itʼs here to help individuals, especially t he youth and working adults, take charge of their financial journey while uplifting local businesses across the state. Because when everything you need is in one app, you only need one.

Our Vision

To promote positive growth in the financial sector, emphasizing collaboration and transparency. We aim to build a supportive ecosystem that enhances the quality & efficiency of financial interactions, benefitting both businesses & individuals.

Our Mission

To empower the citizens of Sabah
by providing innovative fintech solutions that are accessible, reliable & user-friendly. To bridge the gap between traditional finance and digital innovations. To ensure that every individual & business can thrive in modern financial landscape.

Our Objective

To shaping a new fintech future for the citizens of Sabah, not only driving business prosperity & creating job opportunities but also on empowering our citizens to achieve their aspirations & guiding the way in the 21st-Century digital landscape.

Meet our mascots

Say hello to our friendly mascots! Theyʼre here to make your YONO journey more fun, exciting, and easy to understand. Just like YONO, theyʼre all about keeping things simple, playful, and full of energy.