Enabled Scalable Lending Platform for a Leading Mobile Financial Services Provider in Africa

Business Problem

A leading mobile financial services provider in Africa aimed to launch consumer micro-credit and micro-lending services to extend financial access to its customers. To succeed, it required a scalable solution that could integrate with its digital channels and deliver reliable credit decisioning for underserved segments.

The key challenges included:

• Fragmented Loan Management: No unified platform to create, customize, and efficiently manage a range of micro-loan products.
• Channel Limitations: Difficulty in extending lending services smoothly across the mobile app and USSD channels, restricting reach to all customer segments.
• Inadequate Credit Evaluation: Lack of advanced credit scoring mechanisms to accurately assess eligibility and define customer credit limits, leading to higher risk exposure.

Business Analysis

A detailed assessment revealed that the client needed more than just a lending module—it required a scalable digital platform capable of supporting micro-loans end-to-end. The analysis highlighted gaps in product flexibility, accessibility through multiple channels, and the absence of a reliable credit scoring framework. Addressing these pain points was critical to ensuring wider customer reach, faster decision-making, and stronger risk management.