How it works
One platform across the whole loan
Each step hands its work to the next, so nothing is retyped between systems.
1
Sign up
National ID, mobile number and a one-time code. No branch visit.
2
Apply
Products, instalment calculator, documents and a live photo on the web, the app, WhatsApp or USSD.
3
Verify
Document AI reads IDs, salary slips and statements, and flags edits.
4
Decide
Scorecards, bureau, alternative data and policy rules, with reasons a customer can read.
5
Disburse
Key Fact Statement, e-acceptance and posting to your core banking system.
6
Collect
Early warning, next best action and respectful reminders before an account slips.
Application decided in 4 minutes
An officer signs off. Every step is in the audit log.
Application decided in 4 minutes
Personal finance, 600,000 over 24 months
- Identity verified with the national ID service
- Bank statement read: regular salary, no returned payments
- Credit bureau checked: no late payments
- Fraud check clear
- Debt burden 31%, inside policy
Approve Why: steady income for 3 years, clean credit history, debt burden within limit.
1
Apply
Products, instalment calculator, documents and a live photo on the web, the app, WhatsApp or USSD.
2
Verify
Document AI reads IDs, salary slips and statements, and flags edits.
3
Decide
Scorecards, bureau, alternative data and policy rules, with reasons a customer can read.
4
Approve
Each role works its own queue, and approval waits until every check is done.
Disbursement, servicing and collections run in the same system: the Key Fact Statement and e-acceptance, posting to your core banking system, early warning and polite reminders.
See it with your own products
We'll set up the demo with your products, your limits and your brand, then walk your credit, compliance and IT teams through it.