MICRO LENDING
BOOST YOUR REVENUE WITH
MICRO LENDING SOLUTIONS
Optasia’s micro lending solutions offer a gateway to new business areas and monetization opportunities while promoting financial inclusion. With our AI-led platform, we process and analyze consumer behavioral data, enabling efficient credit decisioning and empowering financial empowerment.
Your Benefits
EFFICIENT CREDIT DECISIONING
Our platform utilizes thousands of data points to provide accurate credit scoring, minimizing credit risk.
TAILOR-MADE SOLUTIONS
Optasia offers a comprehensive range of micro-financing enablement solutions, all managed through an end-to-end platform.
FAST-TO-MARKET PRODUCTS
Seamlessly embed our solutions into your ecosystem, introducing highly customizable products that cater to the exact needs of your customers.
ENHANCED CUSTOMER SATISFACTION
Our user-friendly solutions provide instant credit decisions, enhance the digital user experience, and facilitate financial access for previously unbanked populations.
FULL LOAN LIFECYCLE MANAGEMENT
PRELIMINARY ASSESSMENT
Subscribers are preapproved based on the Optasia credit risk platform.
COMMUNICATION
Targeted communication to eligible subscribers.
APPLICATION & APPROVAL
Real-time decision-making and approval for subscribers.
DISBURSEMENT
Loans are disbursed directly into the customer's mobile wallet.
LOAN RECOVERY
Multiple repayment options and channels for subscribers.
COMPLIANCE
Fully compliant with all statutory reporting.
SUPPORT
Self-service and call center support provided
COLLECTION
Deployed collection strategy to recover maximum capital.
RELATED PRODUCTS
XTRACASH
Supports instantly approved micro loans disbursed to mobile wallets or bank accounts, featuring tailored versions for retail, sme and agent customer segments.
XTRABALANCE
Overdraft product for seamless transaction completion and a 'check out on credit' experience for wallet users.
XTRAFONE
Device financing product with device management capabilities, covering a wide range of manufacturers.
XTRAPAY
Buy-now-pay-later (bnpl) product for online and in-store payments.
XTRAFLOAT
Overdraft product designed to augment the working capital, or "float" of agents.
SEE ALSO
AIRTIME ADVANCE
We provide flexible airtime, data, and package credit solutions for mnos, allowing them to offer convenient and accessible airtime advances to their customers.
DATA MONETIZATION
Leveraging our turn-key product-as-a-service solutions, mnos can unlock the potential of their data and create new revenue streams, maximizing the value of their customer insights.
