Low-risk.
High-reward.
At Ezra, we partner with leading financial institutions and service providers, to design, develop, and deliver tailored lending solutions that meet the needs of their customers – whether or not they have an existing credit history.
We do this by leveraging alternative data to power our robust, proprietary scoring engine. Its machine learning-based infrastructure continues to evolve with – and adapt to – the shifting habits of their customers, to ensure fast and accurate profiling at every stage of the product life cycle.
This approach has formed the foundations of our success – but we haven’t stopped there.
Low-risk.
High-reward.
At Ezra, we partner with leading financial institutions and service providers, to design, develop, and deliver tailored lending solutions that meet the needs of their customers – whether or not they have an existing credit history.
We do this by leveraging alternative data to power our robust, proprietary scoring engine. Its machine learning-based infrastructure continues to evolve with – and adapt to – the shifting habits of their customers, to ensure fast and accurate profiling at every stage of the product life cycle.
This approach has formed the foundations of our success – but we haven’t stopped there.
Our Products
Cash loans
Increase customer satisfaction and retention with easy and rapid micro lending solutions.
Buy now pay later
Help your customers to spread the cost by paying for a range of services in instalments.
Token Advance
Services (TAS)
Keep your customers topped up, 24/7.
Device financing
Empower your customers to access smartphone technology, with flexible payment tenures.
Advance/Airtime Credit
Services (ACS)
Credit solutions that keep your customers connected - even when they run out of credit.
Overdraft
Enable your customers to access emergency funds, when and wherever they need it.
Revolving credit
The benefits of a credit card, in a mobile wallet.
Savings
Increase customer adoption, with improved interest rates and shorter reward tenures.
Why work with Ezra
Off the Shelf
Ready-made products, with no compromise on quality. Our off the shelf solutions are ready to launch in as little as 12 weeks.
Proven credit scoring
We score millions of customers every day, and maintain the lowest bad debt rate in the industry. This is thanks in part to our non-conventional scoring algorithms, which leverage alternative data to help reach more people.
Advanced technology stack
Our state-of-the-art innovation enables us to be agile and adaptable. And this is why we can process more than 10 million transactions daily.
Attractive business models
We provide risk-free, competitive rates for win-win models.
A full-service offering
From product design, to aftercare, to post-launch care, and end user
assistance, we are there to support you throughout the product lifecycle.
Partnership feasibility
Our team members come from across the world - and each individual brings extensive market knowledge in launching successful credit products for leading brands.
Data analytics
Our data scientists leverage alternative data to create a more nuanced credit scoring model.
This helps lenders to make more informed decisions, and increases credit access opportunities for the financially underserved and excluded.
Product rollout
We plan and execute each product rollout in conjunction with our partners.
We also provide support with sales and marketing activities to generate product awareness, interest, and demand.
Post-launch
Our aftercare support includes includes assistance with the products’ Customer Care Interface; ongoing monitoring and reporting; technical support; insight building; and customer value management.
We can also provide consultation on how to further grow your product portfolio.
Product design
Our expert product team works with designers, engineers, and solution architects to design loan management processes that look great and are easy to use.
We create detailed specifications that minimise risk, maximise return, and produce the best loan product for your customers.
Technical integration
Our development team has created a step-by-step process for product integration into existing systems.
From identifying objectives; to design and development; to testing; to training and support, we are here to make API integration seamless and straightforward.
Pre-launch
We work hand-in-hand with each of our partners to create tailored lending solutions that meet their specific requirements.
We pride ourselves on our collaborative approach, and the relationships that we curate with each of our partners.
Testimonials
“Ezra fully understands the lending business and worked closely with us to align their services to our business needs with ongoing tweaks and iterations to meet performance goals. The Ezra team work fluidly to adapt and accommodate technical changes as a result of nuances across both platforms, whilst also jointly assessing how we can mitigate risk and manage operational issues.”
“Orange Money has partnered with Ezra and Access Bank Botswana to launch Botswana’s first Nano Loan product enabling convenient access to affordable real time credit. We are very pleased at the performance and growth of N’stakolle Loan Product and as such we recommend Ezra’s expertise for similar undertakings.”
“I am happy to provide a recommendation for Ezra. Ezra provides airtime credit service to customers of Airtel Kenya. We confirm that they discharge their obligations well and hereby recommend them as a service provider for airtime credit service.”
“Access Bank has been working with Ezra for the past five years. The mobile based Nano Loan is the first of its kind in Mozambique, allowing customers of all levels of society to access financial services. We’ve successfully performed four million transactions in the past year alone. We would recommend Ezra Services Ltd for any similar undertaking in any geography that they choose to operate in.”
Speak to our partnership team
Get in touch to learn more about our products and services.