Enabling Financial Access
for Millions in
Underserved Markets

Credoks is an AI enabled embedded finance platform provider — powering credit scoring, airtime advances, micro-lending, and revenue augmenting services for mobile operators and financial institutions.

Explore Solutions → Talk to Our Team
The Platform

One Intelligent Platform.
End-to-End.

Credoks operates a full-stack B2B2X platform connecting mobile operators and financial institutions to their customers through real-time credit intelligence, VAS integration, and automated decisioning — from data ingestion to disbursement and collection.

🏦
Partners — MNOs & Financial Institutions
Mobile Network Operators · Banks · MFIs · Mobile Wallet Operators
↕
⚡
Credoks Platform — Credit & VAS Engine
Scoring · Decisioning · Billing Integration · Campaign Management
↕
📱
End Users — Subscribers & Borrowers
Prepaid Subscribers · Underbanked Consumers · SMEs
570M+
Addressable subscribers across key target markets
<1s
Credit decision & service delivery
5+
Active service lines on a single platform
25+
Countries served by technology partners
🔗
Deep MNO Integration
Direct integration with CBS, SMSC, USSD gateways, and charging infrastructure — enabling real-time service delivery and automated collection without operator infrastructure changes.
🧠
Behavioural Credit Scoring
Dynamic, self-learning models analyse mobile usage patterns, top-up behaviour, and transaction history to generate real-time credit profiles for every subscriber.
♾️
Near-Zero Risk Model
Automated bad debt coverage, intelligent collection mechanisms, and continuous scoring eliminate financial risk for partner operators — with guaranteed service performance.
Solutions Portfolio

Financial Products for
Every Channel

From airtime advances to micro-loans, data monetisation, and device financing — Credoks delivers a composable suite of embedded financial products that partners can deploy without heavy infrastructure investment.

Airtime Credit Services
📶
Airtime & Data Advance
Subscribers instantly obtain airtime, data bundles, or voice minutes when their balance hits zero — repaid automatically on the next top-up. Powered by our global technology partner, the pioneer of airtime advance solutions deployed across 25+ countries.
  • Sub-second eligibility scoring and credit delivery
  • SMS / USSD / IVR request channels
  • Self-learning behavioural scoring engine
  • 100% bad debt coverage — zero risk for the operator
  • Proven up to 90% subscriber penetration rate
Credit Intelligence
📊
Credit Scoring & Decisioning
An AI-driven decisioning engine that builds real-time subscriber credit profiles from mobile usage, behavioural, and transaction data — enabling banks and MFIs to responsibly extend credit to underbanked customers.
  • Real-time credit profile generation per subscriber
  • Dynamic adaptive scoring — updates with every event
  • API integration for banks, MFIs, and mobile wallets
  • Supports micro-loans, BNPL, and SME financing
  • Designed for emerging market subscribers without traditional credit history
Micro-Financing Solutions
💳
Mobile Micro-Lending
Real cash micro-loans disbursed directly to mobile wallets or bank accounts — instant approval, no paperwork, no branch visit. Repayment collected automatically from next balance top-up or wallet deposit.
  • Instant disbursement to mobile wallets or bank accounts
  • Loan eligibility driven by behavioural scoring
  • Configurable loan amounts and repayment windows
  • Serves retail consumers and micro-SMEs
Value-Added Services
📲
Call Signature Service
A premium VAS enabling subscribers to display personalised messages to callers before connection — via Flash SMS or USSD. Available for individual subscribers, corporate fleets, and sponsor-driven advertising.
  • Individual, corporate, and sponsor-advertiser tiers
  • Subscription-based recurring model
  • Real-time CAP signalling MNO integration
  • Built-in viral promotion and bulk SMS capability
Data Monetisation & Aggregation
🗃️
Data Monetisation & Aggregator Platform
A turn-key platform enabling MNOs and internet providers to unlock the commercial value of their subscriber data — creating new revenue streams through content credit, bundle advances, utility payment services, and multi-operator aggregation across East Africa.
  • ContentKredit — advance mobile content without sufficient balance, repay at next top-up
  • BundleKredit — advance voice, SMS, or data bundle packages on credit
  • Utility Advance — electricity, gas, and water payment advances in emergencies
  • Multi-MNO aggregator layer with regional expansion across Uganda, Rwanda, Tanzania
Aggregator Architecture
Content Provider
→
Credoks Platform
→
Mobile Operator
Bank / MFI
→
Credit Engine
→
Subscriber
MTN Uganda
→
Regional Layer
→
East Africa
Device Financing — Coming Soon
PhoneKredit enables subscribers to purchase mobile handsets via deferred payments, with built-in device management and timely collection via MNO billing infrastructure.
Charging Infrastructure
⚙️
Advanced Charging System (ACS)
Real-time, event-driven charging for voice, data, and content — enabling operators to deploy dynamic, flexible billing for any service type with millisecond-level responsiveness.
  • Real-time billing event processing
  • Prepaid, postpaid, and hybrid model support
  • Integrates with Ericsson, Huawei, Nokia, Amdocs CBS
How It Works

From Data to Credit Decision
in Under a Second

Our platform manages the full product lifecycle — from initial scoring and service request to delivery, automated collection, and continuous model improvement.

Step 01
📡
Data Ingestion
Real-time subscriber events from the operator's network — top-ups, calls, data usage, balance movements — are captured and fed into the scoring engine continuously.
Step 02
🧠
Behavioural Scoring
The self-learning credit model processes subscriber behaviour across multiple parameters to generate a dynamic, real-time eligibility score and personalised credit limit.
Step 03
⚡
Instant Delivery
Eligible subscribers receive airtime, data, cash, or service access in under one second via SMS, USSD, or IVR — no paperwork, no branch visit, no friction.
Step 04
🔄
Auto-Collection & Learning
Repayment is deducted automatically at next top-up or wallet deposit. Scoring models update with every transaction cycle, continuously improving precision and expanding eligible user base.
Who We Serve

Built for Every Partner Type

Credoks' B2B2X model connects operators, financial institutions, and content providers to their end customers through a single, deeply integrated platform.

📡
Mobile Network Operators
Turn subscriber data into new revenue without infrastructure investment. Deploy airtime advances, data credits, bundle advances, and premium VAS products that reduce churn and deepen subscriber loyalty.
Airtime Advance Data Credit Call Signature ACS
🏦
Banks & Microfinance Institutions
Access real-time behavioural credit scores for previously difficult to score customers. Launch micro-loan and embedded finance products — to reach the underbanked majority through mobile-first channels.
Credit Scoring API Micro Loans BNPL SME Finance
🌍
Content & Service Aggregators
Distribute digital content, utility services, and financial products at scale through Credoks' aggregator layer — connected to major operators' infrastructure and expanding across East Africa.
Content Distribution Utility Advance Multi-MNO East Africa
Partners & Ecosystem

Trusted by Reputable Institutions

📡
Ethiopian Mobile Operator
Mobile Network Operator · 57.3M Subscribers
🏦
Ethiopian Banks & MFIs
Credit Scoring Integration Partners
🌐
Simbrella BV · Amsterdam
Airtime Advance Technology Partner · 25+ Countries
📶
MTN Uganda
Aggregator & Regional Expansion Partner

Global Technology Partnership: Simbrella BV

Credoks is the exclusive local partner of Simbrella — the world's first and leading airtime advance platform, headquartered in Amsterdam. Together, we are deploying a full micro-lending suite across our target markets, bringing Simbrella's globally proven technology to underserved subscribers.

The platform integrates at zero cost to the operator — covering all hardware, software, and technical deployment. Credoks manages all customer support, business operations, and commercial relationships.

220M
End-users served globally
25+
Countries deployed
90%
Peak penetration rate
<1s
Request processing time
Get In Touch

Partner with Credoks
to Expand Financial Access

Whether you are a mobile operator, bank, microfinance institution, or regional aggregator — Credoks has the platform, the partnerships, and the local expertise to deploy at scale across all markets.

Start the Conversation →
Email
ted@credoks.com
Headquarters
Addis Ababa, Ethiopia
Market Coverage
Ethiopia · East Africa