Credit decisioning for Telcos
Brings affordable credit products to millions of prepaid mobile users
Our client, a leading telecom provider in Pakistan with an active mobile customer base of approximately 30 million, made a strategic move into the embedded lending space. Their vision was to empower millions of users by offering easily accessible airtime credit products and promotional offers.As the project scaled, they recognized the need for a robust loan management software capable of:
Automating loan origination, decision-making, disbursement, and collection within a unified platform.
Processing thousands of loan requests instantly.
Seamlessly exchanging large volumes of data between the platform and their back office.
As the project scaled, they recognized the need for a robust loan management software capable of:
Automating loan origination, decision-making, disbursement, and collection within a unified platform.
​Processing thousands of loan requests instantly.
Seamlessly exchanging large volumes of data between the platform and their back office.
They sought a tailored solution that could handle real-time transactions while integrating smoothly with various data sources. The platform needed to support their expansion goals, enabling portfolio growth, multi-channel access, and customizable collection policies.
MINDIGITAL'S SOLUTION
To meet these challenges, Mindigital partnered with the telecom provider to design a fully customized loan management and origination system. This scalable, centralized platform ensures smooth operations and delivers end-to-end support for the lending process.
With the new solution in place, our client can now:
Seamlessly manage high volumes of applications and transactions.
Expand their lending campaigns by offering airtime credit, Buy Now Pay Later (BNPL) options, and promotional products.
AI-Powered Analytics
HOW IT WORKS
Customer Interaction
Borrowers can explore credit products through various channels, including the telecom app, WhatsApp Business account, or USSD.
Loan Processing
Mindigital’s loan management system processes loan requests by aggregating customer data from multiple sources, including internal databases, bureau scores, third-party data vendors, and application details.
Approval and Disbursement
Based on proprietary scoring results, eligible borrowers are approved and receive the airtime credit or promo offer instantly.
Engagement and Collections
The platform sends predefined notifications to borrowers, facilitates repayment, and promotes further offers to enhance customer engagement.