TECHNOLOGY

CORE TECHNOLOGY

Technology Architecture

Technology Architecture

A platform built on big data and cloud computing, deployed since 2019 across 26 countries, including Kenya, Nigeria, Mexico, the Philippines, and Pakistan.

Ability

Integrated platform solution enabling rapid deployment

Cloud-based architecture with support for on-premises deployment

Containerized microservices for elastic scalability with business growth

Efficiency

Fully automated credit assessment completed within 5 seconds

Real-time disbursement completed within 1 minute

Simple and fast application process — from registration to disbursement in as little as 5 minutes

TECHNOLOGY SOLUTION

Big Data

BIG DATA

  • Massive Data Storage - Multi-dimensional risk control
  • User Profiling & Relationship Mapping - Precision marketing and intelligent collections
  • Visual Analytics - Data-driven insights for business decision-making

INTELLIGENT OPERATIONS

  • 24/7 Monitoring - Ensuring 99.99% system availability
  • 100+ Monitoring Metrics - Comprehensive oversight of critical systems
  • Fully Automated Alerts - Proactive monitoring with real-time warnings
  • Self-Healing Capabilities - Automatic detection and resolution of issues
Intelligent Operations
Cloud Services

CLOUD SERVICES

  • Virtualization - High scalability and cost efficiency
  • Containerization - Rapid deployment and fast delivery
  • Distributed Architecture - High availability and reliability

AI-POWERED INTELLIGENCE

  • Machine Learning - Advanced predictive analytics
  • E-KYC - Automated identity verification
  • Intelligent Fraud Detection - Real-time risk prevention
  • Decision Engine - Online, automated, and instantaneous decision-making
AI Powered Intelligence

RISK MANAGEMENT

RISK MANAGEMENT - ADVANCED WEAK-FEATURE HANDLING AND MACHINE LEARNING CAPABILITIES.

Comprehensive Big Data

Coverage

Covers device data, operational patterns, social networks, and more

Addresses gaps in external credit bureau and third-party data

Integrates structured, unstructured, sparse, and weakly correlated data for robust risk analysis

Integrated Machine

Learning Risk Platform

Cutting-edge ML Algorithms - Develops models for low-coverage, weak-information datasets, leveraging both structured and unstructured data

Unified Modeling & Deployment Platform - Core models can be rapidly replicated across international markets; personalized feature generation and automated calculation systems adapt to diverse country-specific data

Centralized Model Management - Unified model release, update, and monitoring system ensures consistent deployment and oversight globally