Financial Access for
Underserved Millions

Unleashing the Power of Data
Keeping Subscribers Connected
Promoting Financial Inclusion

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
0
Addressable Mobile
Subscribers in Ethiopia
0
Peak Subscriber Penetration
Rate Achieved by Platform
0
Active Service Lines
on a Single Platform
0
Credit Decision &
Service Delivery Time
Trusted Across the Ecosystem
Ethiopian Mobile
Operator
Simbrella BV
Amsterdam
Ethiopian Banks
& MFIs
Mobile Wallet
Operators
Microfinance
Institutions
Financial
Institutions
Ethiopian Mobile
Operator
Simbrella BV
Amsterdam
Ethiopian Banks
& MFIs
Mobile Wallet
Operators
Microfinance
Institutions
Financial
Institutions
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
57M+
Addressable mobile subscribers in Ethiopia
<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 deployable 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
90%
Peak Penetration Rate
Request processing time< 1 second
Bad debt coverage100% guaranteed
Integration channelsSMS · USSD · IVR
Countries deployed25+ globally
Operator ARPU impactUp to +10%
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
AI/ML
Powered Scoring Engine
Scoring model typeSelf-learning adaptive
Data inputsMobile usage, top-up, behaviour
IntegrationREST API
Decision speedReal-time < 1s
Use casesLoans · BNPL · SME
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
  • No forms, no branches — mobile-first end to end
0%
Paperwork Required
Disbursement methodMobile wallet / bank
Approval timeInstant
RepaymentAuto at next top-up
Target segmentsConsumer · SME
Branch visitsNone required
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
  • New revenue stream for operators at near-zero cost
3
Revenue Tiers Available
Tier 1Individual subscriber
Tier 2Corporate fleet
Tier 3Sponsor / advertiser
Delivery channelFlash SMS · USSD
Billing modelRecurring subscription
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.
  • ContentKredit — advance mobile content without sufficient balance
  • BundleKredit — advance voice, SMS, or data bundle packages on credit
  • Utility Advance — electricity, gas, and water payment advances
  • Multi-MNO aggregator layer for operators across Ethiopia
  • Safe data anonymisation gateway for privacy compliance
DaaS
Data as a Service Model
Content creditContentKredit
Bundle advanceBundleKredit
Utility advanceElectric · Gas · Water
ArchitectureMulti-MNO aggregator
PrivacyData anonymisation
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
  • Dynamic pricing and campaign management
  • Full reporting and analytics dashboard
ms
Billing Response Time
Processing speedMillisecond-level
Billing modelsPrepaid · Postpaid · Hybrid
CBS compatibilityEricsson · Huawei · Nokia
Campaign managementBuilt-in
AnalyticsFull reporting suite
Islamic Finance Solutions

Shariah-Compliant
Mobile Finance for
Ethiopia's Muslim Community

Ethiopia has a significant and growing Muslim community whose financial needs and faith principles deserve dedicated, certified solutions. Credoks delivers a fully Shariah-compliant embedded finance platform — bringing Islamic financial services directly into the mobile SuperApp with zero interest, zero collateral, and zero new app downloads required.

NBE Regulatory Green Light — 2025
The National Bank of Ethiopia lifted the credit cap exclusively for Shariah-compliant lenders in 2025 — making this the right moment to deploy IFB mobile finance at scale.
A Significant & Growing Muslim Community
Deserving Dedicated Shariah-Compliant Financial Services
<3s
Credit Decision
0%
Interest Rate
🏷️
Murabaha
Cost-plus financing for handsets, solar, and working capital. Profit margin disclosed upfront. No interest ever charged.
🔒
Wadia Wallet
Shariah-compliant safekeeping wallet with zero interest. Hiba distributions recorded as gifts — never as yield or interest.
🤝
Kafala
Peer and group guarantees replacing traditional collateral — enabling credit access for subscribers with no physical assets.
🌙
Zakat & Sadaqah
Built-in Zakat calculator and automated charitable giving. Late penalties route to charity — never to the lender.
🛒
Halal Marketplace
Closed-loop Halal-certified marketplace with Murabaha checkout. Buy certified products on Islamic instalment finance.
Compliance as Architecture — Not Marketing
Every transaction is Shariah-compliant by design — enforced in code, not in policy.
Independent Shariah Advisory Board  ·  Quarterly compliance audits  ·  Published Fatwas governing every product  ·  Zero-interest enforced at database level
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 — top-ups, calls, data usage, balance movements — are captured from the operator's network 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 the 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 AdvanceData CreditCall SignatureACS
🏦
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 APIMicro LoansBNPLSME Finance
🌍
Content & Service Aggregators
Distribute digital content, utility services, and financial products at scale through Credoks' aggregator layer — connected to Ethiopia's operator infrastructure and serving the full breadth of the local market.
Content DistributionUtility AdvanceMulti-MNOEthiopia
Our Markets

Focused on Ethiopia's
Digital Finance Market

Credoks is focused on Ethiopia — one of Africa's fastest-growing digital economies, with over 57 million mobile subscribers and a rapidly expanding financial services sector.

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

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
Latest News

Updates from Credoks

Stay up to date with our latest partnerships, platform launches, and market developments.

Platform Launch
Credoks Launches AI-Enabled Embedded Finance Platform in Ethiopia
Credoks Digital Services has officially launched its full-stack B2B2X embedded finance platform, bringing credit scoring, airtime advances, and micro-lending capabilities to Ethiopia's mobile operator and banking ecosystem.
2025Addis Ababa, Ethiopia
Partnership
Credoks Partners with Simbrella BV to Deploy Airtime Advance Solutions
Credoks has signed an exclusive local partnership with Simbrella BV — the world's first and leading airtime advance platform — to bring their globally proven technology to Ethiopia's 57M+ mobile subscribers.
2025Amsterdam · Addis Ababa
Market Focus
Credoks Deepens Presence in Ethiopia's Rapidly Growing Digital Finance Sector
With over 57 million mobile subscribers and a fast-expanding financial services sector, Ethiopia represents one of Africa's most significant embedded finance opportunities. Credoks is positioned at the centre of this growth.
2025Addis Ababa, Ethiopia
Get In Touch

Partner with Credoks
to Expand Financial Access

Whether you are a mobile operator, bank, or microfinance institution operating in Ethiopia — Credoks has the platform, the partnerships, and the local expertise to deploy at scale.

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