End-to-end credit solutions.
Designed and delivered
collaboratively.

Our partners gain access to:

  • An innovative digital lending product
  • Highly advanced risk profiling engine
  • At least 60% customer eligibility
  • Market delivery within weeks

Maximise the potential of your credit products and your ecosystem. Ezra’s custom-designed solutions deliver from day one.

Products

Ezra provides B2B digital lending solutions for emerging markets in partnership with Mobile Operators and Financial Service providers. Our products are Advance Credit Services, Nano, Buy Now - Pay Later, Device Financing and Savings.

Advanced credit
service (ACS)

  • Airtime or data advance given to mobile network operators.
  • For prepaid subscribers with low credit.
  • Ensures users stay connected even if they run out of credit.
  • Robust scoring based on usage and behavior.

Nano

  • Micro cash advances for mobile money operators and financial institutions users.
  • Disburse cash advances under $100 through mobile wallets.
  • Bridge financing for personal emergencies such as bill payments or medical expenses.
  • Robust scoring based on usage and behavior.

Token Advance Services

  • Users can pay for utilities, products and services in increments, taking charge of their personal finances.
  • Customer can easily apply for token advance top-ups on or offline.
  • Real-time customer interface.
  • Robust scoring based on usage and behavior.

Device financing

  • Purchase devices in installments.
  • Give customers access to a mobile at once without high prices.
  • Low-risk loans, Ezra will cover the majority depending on your risk appetite.
  • Robust scoring based on usage and behavior.

Expertise

Our 12 years experience has given us excellent customer insights, so we understand what will succeed. Extensive testing has led to the development of intelligent products that maximize eligibility and uptake from day one.

Unique Scoring Engine

  • Proprietary machine learning algorithm
  • Risk-based profiling based on customer business objectives
  • Automated re-profiling maximises opportunity
  • Drive larger marketing objectives over multiple channels

Loan Management Services

  • Bespoke products and user journeys
  • Defined parameters to drive significant uptake
  • Risk-free solutions

Customer Communication
Management

  • Proprietary machine learning algorithm
  • Risk-based profiling based on customer business objectives
  • Automated re-profiling maximises opportunity
  • Drive larger marketing objectives over multiple channels

Speak to our partnership team

Find out how we help banks and financial institutions to launch instant loans to customers.