Drive loyalty and revenue with instant digital loans

Mobile Wallet

Ezra helps mobile money players to design, launch, operate and scale low-risk cash loans. Generate incremental revenues for the operator and reduce customer churn.

No upfront investment

No upfront capital, capex or opex required; we’ll design the product that aligns to your risk appetite.

A world-class customer experience

Give customers access to cash loans in seconds with a world-class digital experience.

Fast roll-out
to market

From concept to product launch, we’ll have credit loans live in your markets within 12 weeks.

Ezra has been powering instant loans
for millions of users since 2012.

80% +

Users with instant access to cash loans


Monthly users accessing loans with Ezra


Credit offered to users through Ezra


Average platform uptime

Social Validation

Powering credit advances for
leading phone networks.

Our partners

Launch instant cash loans with one end-to-end solution

No need to source multiple tools or partners - Ezra provides a single integration and packaged service for you to launch a digital cash loan product.

From customer risk profiling to product design, loan lifecycle management and marketing campaigns, we’ve got you covered.

Achieve market-leading acceptance rates without big risks

Let more customers access instant credit loans without compromising on risk, thanks to Ezra’s intelligent customer behaviour and risk profiling technology.

Ezra allows over 80% of users on average to borrow whilst achieving high loan repayment with a bad debt rate as low as 3%.

"Ezra’s solution has allowed customers without a bank account to access to financial services. We would recommend Ezra for similar undertaking in any geography"

CEO | Major pan-African bank

Offer an outstanding customer experience
with real-time support and reliable tech.

Provide 24/7 real-time support

Deliver an all-round excellent customer experience that extends to user support. Ezra provides you with a real-time customer interface for your call centre and back office teams, with 24/7 support from our expert team for whenever you’re in need.

Ensure 99.9% platform uptime

Safeguard customer access to digital loans and avoid lengthy downtimes thanks to Ezra’s robust technology infrastructure. Our platform has been serving the most demanding brands worldwide since 2012 - that’s over 10 years of engineering excellence.

Speak to our partnership team

Find out how we help mobile wallets to launch instant loans to customers.