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Global Risk Management
and Digital Debt Collection Operating System

Datacultr is a technology-first SaaS platform specializing in collections, recovery, and risk management for device financing and Device as a Service (DaaS) programs. Built on an advanced architecture, it brings structure, automation, and scalability to evolving credit models.

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footprints
across the
globe

35+

countries!

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Loans secured
25 Million+

Loan value secured
USD $7
Billion+

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Check out our Newly launched Transformational AI-driven Digital Customer Engagement Platform

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Drive Collection Efficiency
Increase On-Time Payments
Reduce Non-Performing Loans
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Digital Drives Efficiency, Datacultr Drives Digital Collections

Traditional collection methods have become less effective and more expensive. Across device financing, DaaS, and microfinance portfolios, Right Party Contact (RPC) is declining, and outreach built on calls, SMS, and email is increasingly ignored.

Datacultr replaces the fragmentation by combining device-level control with AI-powered customer engagement. Every communication is delivered, seen, and acted upon, turning financed devices into active recovery and engagement channels.

Our clients achieve…

25%
Reduction in First
Month Defaults

67%
Reduction in Non-
Performing Loans

4X
Increase in Debt Collection Efficiency

75%
Increase in Loan Approvals

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Device Financing Risk Management

Device Lock & Risk Mitigation: Mitigate risk across every device financing model with Odyssey

Odyssey, Datacultr’s device lock solution, is built for risk mitigation across device financing, Device as a Service (DaaS), and phone as collateral (eezLoan) programs.

When payments are missed, device lock actions are triggered on the financed device, enforcing repayment discipline. Odyssey operates seamlessly across Smartphones, Smart TVs, ACs, Laptops, Tablets, and other Consumer Durables, enabling lenders and OEMs to scale across device categories with built-in risk control.

  • We Enable

Device Financing

Device locking and digital workflows for banks, telcos and MFIs

Device as a Service (DaaS)

Integration Solutions for OEMs, Retail and Online

eezLoan (Phone as Collateral)

BNPL, microfinance, cash loans use case for MFIs using existing phones as collateral

Secure Mono Channel Communication Stack

AI-Powered Customer Engagement: Engage customers, influence behaviour, and drive action with TrueDigi

TrueDigi is Datacultr’s AI-powered engagement and digital debt recovery platform for banks and lenders, built to make customer communication more efficient across marketing and collections.

It connects you with the right customer, at the right moment, through the right channel, delivering up to 10x higher engagement. Behavioural AI identifies patterns across the customer lifecycle, enabling proactive engagement that drives repayment action and reduces collection costs.

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Proven impact. Now make it yours.

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Devices covered

A man looking happy as he found all financing services with Datacultr -A stop solution
Smart Phones
Consumer Durables
Smart TV
Cooling Devices
Laptops
Tablets
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Smart TV Button
Laptops Button
Tablets Button
Smart Phones Button
Consumer Durables Button

How Datacultr Works

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1

Onboard easily
Financed devices are integrated into Datacultr’s control environment at onboarding with repayment terms linked.

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2

Communicate proactively
Payment reminders and alerts are sent directly to the device, ensuring clear visibility and actionability.

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3

Monitor continuously
Real‑time behavioral analysis continuously identifies missed payments or delayed installments.

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4

Recover efficiently
Once repayments are complete, devices regain full functionality. Persistent delinquencies trigger device lock.

3

Monitor continuously
Real‑time behavioral analytics continuously identify missed payments or delayed installments.

1

Onboard easily
Financed devices are integrated into Datacultr’s control environment at onboarding with repayment terms linked.

2

Communicate proactively
Payment reminders and alerts are sent directly to the device, ensuring clear visibility and actionability.

4

Recover efficiently
Once repayments are complete, devices regain full functionality. Persistent delinquencies trigger device lock.

Unlock Seamless Solutions with Datacultr: A Device-First SaaS Platform

For banks, NBFCs, telecom operators, and fintechs seeking scalable growth in device financing, and for OEMs and service providers operating Device-as-a-Service (DaaS) programs, Datacultr provides the infrastructure to strengthen repayment and subscription control while supporting disciplined expansion.

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API-Driven for End-to-End Lifecycle Automation

Automate the entire loan lifecycle using Datacultr’s flexible, API-first architecture.

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Embedded Payments for Seamless Transactions

Enable repayments via apps, wallets, web, and USSD for high-frequency, low-friction collections.

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No Personally Identifiable Information Captured

Captures no PII and is fully compliant with GDPR, ISO 27001:2013, and SOC 2 Type II for data security.

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Centralized Console for Operational Control

Preview device-level communications, manage users, monitor workflows, and access chatbot support.

Welcome to Datacultr’s 100% CLUB Contact-ability Reach your customer even if they've changed their number. Actionability Send messages that prompt borrowers to take immediate action. Deliverability Delivery confirmation with a timestamp for every message. Safety Ensure every interaction is authenticated and secure. Measurability Track every interaction and outcome to optimize performance.
Welcome to Datacultr’s 100% CLUB
Contact-ability
Reach your customer even if they've changed their number.
Actionability
Send messages that prompt borrowers to take immediate action.
Deliverability
Delivery confirmation with a timestamp for every message.
Safety
Ensure every interaction is authenticated and secure.
Measurability
Track every interaction and outcome to optimize performance.
Welcome to Datacultr’s
100%
CLUB
Contact-ability Reach your customer even if they've changed their number.
Actionability Send messages that prompt borrowers to take immediate action.
Deliverability Delivery confirmation with a timestamp for every message.
Safety Ensure every interaction is authenticated and secure.
Measurability Track every interaction and outcome to optimize performance.

Moments of Impact

“

What our clients are saying

←
→
“Our PTPs were scattered — notebooks, Excel sheets, forgotten callbacks. Datacultr’s PTP journeys fixed that. Follow-ups trigger automatically, nothing slips, and our kept-PTP rate improved noticeably.”
Collections Supervisor,
Consumer Finance, India
“Reaching borrowers in their preferred language and at the right time improved engagement. Instead of chasing, we saw customers take action on their own. Responses became more consistent, and repayments followed more steadily.”
Head of Collections,
Operations, Brazil
“The biggest change was consistency. Every region now runs the same journey, and the visibility is much clearer. Decision-making has become faster because we’re no longer guessing what’s happening in different buckets.”
Director – Risk & Strategy,
Kenya
“SMS had stopped getting attention. Wallpaper reminders worked quietly but effectively — borrowers noticed it every time they unlocked their phone. Our repayment responses improved almost immediately.”
Head of Collections, NBFC, UAE
“Customers were willing to pay, but the journey made it too long. One-tap payments changed that. Voluntary repayments picked up in the first week, and drop-offs dropped sharply.”
Digital Banking Lead,
Philippines
“Before Location on Demand, agents were going out without knowing if the borrower would even be there. Now the team plans visits based on real data. Unproductive trips have reduced a lot.”
Field Operations Supervisor, Mexico
“Follow-ups used to depend on the team’s availability. DigiCall made it instant and reliable. Interactions feel more structured, and collections move faster now.”
CRO,
Smartphone Financer, South Africa
“Earlier, we weren’t sure if physical notices even reached borrowers. With digital legal notices landing directly on the device, we finally get timely responses and better control over the legal flow.”
Head, Legal Operations, NBFC, Argentina
“We were spending too much time dialing numbers that never connected. With verified numbers, our right-party contact improved noticeably. The team finally spoke to the right people instead of chasing dead ends.”
Regional Collections Manager,
Nigeria

Transform Your Digital Debt Collections Journey Using Datacultr’s Device-Driven Technology

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Drive Collection Efficiency

Collections become expensive when teams rely on fragmented tools and manual follow-ups. Datacultr streamlines the collections process by bringing engagement, reach, and recovery actions into a structured digital workflow.

Efficiency Enhancing Tools

Engagement

  • DigiCall

  • Flash Message with CTAs


Reach

  • Mobile Number on Demand (MOD)

  • Location on Demand (LOD)

Collection

  • Promise to Pay

  • Digital Legal Notice

Together, these tools enable lenders to reach the right customer, at the right moment, and drive faster repayment action.

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Increase On-Time Payments

Timely repayments improve portfolio performance and reduce collection effort. Datacultr increases payment discipline by making repayment obligations clearly visible on the customer’s device.

Direct-to-Device Payment Engagement

  • Payment reminders delivered directly to the device screen
  • Persistent alerts that customers cannot easily overlook
  • Clear calls-to-action that guide customers toward repayment

By placing payment reminders where customers are most likely to notice them, Datacultr encourages faster repayment action and improves on-time payment rates.


Datacultr Offers security , so your payments don't stop

Reduce Non-Performing Loans

Reducing default risk requires the ability to enforce repayment discipline when delinquencies persist. Datacultr enables lenders and service providers to maintain control over financed or subscription-linked devices throughout the repayment lifecycle.
Device-Level Risk Enforcement

  • Configurable device-lock actions when payments are missed
  • Controlled access to essential device functions during delinquency
  • Progressive escalation to encourage repayment compliance

By linking repayment behavior directly to device functionality, Datacultr helps organizations limit prolonged delinquency and reduce non-performing loans.

Man's phone is locked as he hasn't paid his emi