Categories of low-risk borrowers lenders should target
Information

Categories of low-risk borrowers lenders should target

Saying, ā€œI don't want high-risk borrowers,ā€ is one thing; articulating the low-risk customers you seek is another. We have done the grunt work of identifying and categorizing traditionally low-risk borrowers.

How manual underwriting still fits into an automated loan process
Growth marketing

How manual underwriting still fits into an automated loan process

Across Africa, automation has changed how lenders think about credit. Mobile-first lending apps, USSD-based products, and fully digitized bank loans have brought speed and scale that would have been impossible through paper forms and long committee meetings. A borrower who once had to queue in a branch can now get money in minutes, thanks to […]

Your core banking system isn’t your loan management system. Here’s the difference
Industry Information

Your core banking system isn’t your loan management system. Here’s the difference

If you have spent any meaningful amount of time in lending, you have likely heard someone ask the question, ā€œCan’t our core banking system handle loans too?ā€ On the surface, it seems like a fair point. Loans are essentially account balances. When a customer takes out a loan, the system records the disbursed amount as […]