Drive Collection efficiency
5.25 Million+
Loans secured
US $1.3 Billion+
Loan value secured
Global Risk management and Debt Collection Operating system for the
New to credit
Low or no-score customers are in a vicious circle; lack of data, credible documentation and assets that may be collateralized, this segment struggles to receive formal credit. If there were any credible data available, Financial institutions may have already offered relevant products, Datacultr opens up a viable alternative for lenders to consider, using the borrower’s smartphone to reduce perceived risk
Additionally, In times of Declining right party contacts and increasing customer adoption of digital technology.
Datacultr is making the segment viable
- Brings down costs
- Drives efficiencies in traditional collection processes
Transformational Impact
First Month Defaults
Non-Performing Loans
Debt Collection Efficiency
Loan Approvals
Drive Credit Decisioning and Repayments
Financial Institutions, Telecom operators, Retail chains and FinTech’s that provide smartphone financing loans. Buy Now Pay Later, microloans, nano loans, and other unsecured loans use Datacultr’s innovative digital platform to increase loan approvals in the 0 and -1 segments.
Smartphones are livelihood & access enablers and in the absence of alternative data, using the borrower’s smartphone as a virtual asset, becomes a critical decisioning factor for the lender.
Datacultr’s engagement models & digitized collection processes, ensure payments are not missed, set a habit and influence the borrower’s ‘Intention to Pay’.
Automate the entire loan lifecycle
GDPR compliant, ISO 27001-2013 & SOC2-Type 2 certified.
Digital formats that contact the device and not a mobile number
Carried out at the retail or by the customer
Unlock Seamless Solutions with Datacultr: Your All-In-One Platform
100% Android Coverage
iOS coming soon
API-Driven for Efficient Lifecycle Automation
Embedded Payments for Seamless Transactions
Pay via apps, wallets, web and USSD
Multiple Layers of Security
With advance offline features