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About
Credoks Digital Services is an embedded-finance platform company. We put credit, payments, and premium mobile services inside the channels people already use — their phones — through partnerships with mobile operators, banks, and microfinance institutions.
Financial access is an infrastructure problem. Most people excluded from credit are not un-creditworthy — they are un-scored. Every service we run starts from the same idea: use the data people already generate to open doors that paperwork keeps closed.
| Founded | 2020, Addis Ababa, Ethiopia |
| Focus market | Ethiopia — 57M+ addressable mobile subscribers |
| Model | B2B2X: services delivered through operators, banks, and MFIs to their customers |
| Platform | AI scoring and decisioning, advance and lending services, real-time charging, Shariah-compliant product suite |
| Technology partnership | Simbrella BV (Netherlands) — AI credit-scoring technology serving 25+ companies across 20 countries |
Leads Credoks' strategy and its operator and financial-institution partnerships, with a focus on services that reach subscribers no branch network can.
Whether you run a network, a bank, or an MFI — there is a service line here for your customers.