Lending / Credit Solutions

Zapplu’s micro-lending solutions open doors to new business opportunities and monetization strategies, while fostering financial inclusion. Powered by an AI-driven platform, we analyse consumer behaviour data to enable quick and effective credit decisions, advancing financial empowerment. Given the small credit amounts involved, our approach differs from traditional credit scoring, which is often non-real-time, costly, and process-heavy. Nano/microcredit requires lightweight, fast processes that are cost-effective and independent of external credit bureaus.

Our AI and machine learning-backed scoring engine evaluates user risk and potential based solely on their historical data and behaviour within the service, without reliance on external data sources. This ensures a comprehensive risk management solution while delivering the best-fit credit offer tailored to everyone. Our service covers the entire credit process, from scoring to orchestration, communication, and marketing strategy.

Zapplu’s credit service is versatile, applicable across data, airtime, utilities, and cash credits in various prepaid services and wallets. 

With extensive experience in deploying solutions across multiple countries and continents, we offer:

EFFICIENT CREDIT DECISIONING
Our platform leverages thousands of data points to generate accurate credit scores, reducing credit risk.

CUSTOMIZED SOLUTIONS
Zapplu provides a full range of micro-financing solutions through an end-to-end platform, tailored to meet your specific needs.

FAST-TO-MARKET PRODUCTS
Our solutions integrate seamlessly with your ecosystem, delivering highly customizable products designed to meet your customers’ exact requirements.

IMPROVED CUSTOMER EXPERIENCE
Our user-friendly platform offers instant credit decisions, enhancing the digital experience and expanding financial access for underserved and unbanked populations.