Branch-based lending cannot serve a customer who needs ETB 2,000 today: the paperwork, appraisal, and travel cost more than the loan itself. The result is that formal credit stops at the edge of the city.
A customer dials a USSD code or opens a wallet, is scored instantly, and receives cash in their account in minutes. The lender books a performing portfolio at a fraction of branch cost; the platform automates collection and reporting.
AI scoring replaces forms, guarantors, and branch queues.
Funds land in mobile wallets or bank accounts — no cash handling.
Repayment scheduling, reminders, and recovery flows built into the platform.
Runs under the bank's or MFI's own brand, licence, and balance sheet.
| Disbursement | Mobile wallet · bank account |
| Approval | Instant, AI-scored |
| Channels | USSD · SMS · wallet and app integrations |
| Collection | Automated schedules, reminders, recovery workflows |
| Operating model | Platform service behind the lender's brand |
Tell us about your network or portfolio and we will come back with a concrete deployment path.