{"id":92623,"date":"2026-01-05T15:35:15","date_gmt":"2026-01-05T10:05:15","guid":{"rendered":"https:\/\/datacultr.com\/?p=92623"},"modified":"2026-01-21T12:02:38","modified_gmt":"2026-01-21T06:32:38","slug":"25-million-smartphones-later-why-2026-belongs-to-all-kinds-of-devices-on-financing","status":"publish","type":"post","link":"https:\/\/datacultr.com\/blogs\/device-financing\/25-million-smartphones-later-why-2026-belongs-to-all-kinds-of-devices-on-financing\/","title":{"rendered":"25 Million Smartphones Later: Why 2026 Belongs to All Kinds of Devices on Financing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"92623\" class=\"elementor elementor-92623\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-198c242 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"198c242\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0d8e438\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"0d8e438\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01a6a26 elementor-widget elementor-widget-text-editor\" data-id=\"01a6a26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For years, banks and lenders have played a central role in financial inclusion, and that does not change.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">In fact,\u00a0<\/span><b>the next wave of inclusion will depend on them even more<\/b><span style=\"font-weight: 400;\">, as consumer needs evolve beyond traditional credit into everyday essential devices.<\/span><\/p><p><span style=\"font-weight: 400;\">What has become clear through the last few years is this:<\/span><\/p><p><b>Smartphone financing works consistently when driven via a strong risk management strategy and device locking platform, at scale, and it has opened the door for financing an entirely new category of devices and consumer durables, even appliances.<\/b><\/p><p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Datacultr has already helped power\u00a0<\/span><b>over 25 million financed smartphones<\/b><\/a><\/span><span style=\"font-weight: 400;\"><span style=\"color: #0000ff;\">;<\/span> for most, it was their first loan.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">That success has created clarity for the industry:<\/span><\/p><p><span style=\"font-weight: 400;\">\ud83d\udc49 If financing a smartphone helps customers access connectivity, work, identity, and opportunity.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\ud83d\udc49 Then, financing\u00a0<\/span><b>TVs, laptops, ACs, refrigerators, and other appliances<\/b><span style=\"font-weight: 400;\">\u00a0will unlock the next chapter of household inclusion.<\/span><\/p><p><b>And that is the real outlook for 2026.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db0f754 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db0f754\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e16a60b\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"e16a60b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df5c8c3 elementor-widget elementor-widget-heading\" data-id=\"df5c8c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Customers Want These Devices on Finance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a3f3d2 elementor-widget elementor-widget-text-editor\" data-id=\"6a3f3d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Across emerging markets, households are upgrading, not just their phones, but their lifestyles.<\/span><\/p><p><b>People want better devices, but affordability remains a barrier.<\/b><\/p><p><span style=\"font-weight: 400;\">Consumers want to upgrade because these devices help:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Students access educational content (TV, laptop)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support gig work or remote work (laptop)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Improve home efficiency and comfort (ACs, refrigerators)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stay connected, informed, and entertained (TVs, smart devices)<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The need is clear, and banks and NBFCs are going to play a crucial role<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55bbe53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55bbe53\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4cf8d39\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"4cf8d39\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5064150 elementor-widget elementor-widget-heading\" data-id=\"5064150\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Device Financing Is a Major Opportunity for Banks &amp; Lenders<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeec624 elementor-widget elementor-widget-text-editor\" data-id=\"eeec624\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/secure-smartphone-financing-with-odyssey\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Smartphone financing<\/span><\/a><\/span><span style=\"font-weight: 400;\"> has proven 3 important truths:<\/span><\/p><ol><li><b> Customers repay when the device is important to them &#8211; <\/b>Smartphones showed extremely strong repayment behaviour because the device is essential to daily life.<\/li><\/ol><ol start=\"2\"><li><b> The first loan creates the trust loop &#8211; <\/b>Among first-time smartphone borrowers,\u00a0<b>40% return for a second loan<\/b>, proving the good risk quality of this segment.<\/li><\/ol><ol start=\"3\"><li><b> Device financing grows the lending pie &#8211; <\/b>Banks can acquire new customers, build long-term relationships, and expand into households that traditional credit models don\u2019t reach.<\/li><\/ol><p><span style=\"font-weight: 400;\">This success is exactly why lenders are now exploring TVs, laptops, ACs, and appliances:<\/span><\/p><p><span style=\"font-weight: 400;\">\ud83d\udc49\u00a0<\/span><b>High-demand devices + flexible financing = massive inclusion and revenue potential.<\/b><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\ud83d\udc49\u00a0<\/span><b>Banks get access to new, credit-thin customers, but with a secured asset (the device).<\/b><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\ud83d\udc49\u00a0<\/span><b>Customers get access to devices they otherwise couldn\u2019t afford.<\/b><\/p><p><span style=\"font-weight: 400;\">A win\u2013win system, already validated through smartphones.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac5bd2e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac5bd2e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54670c7\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"54670c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e79fd0 elementor-widget elementor-widget-heading\" data-id=\"6e79fd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Challenge: Scaling Device Financing Beyond Phones<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41e3bb2 elementor-widget elementor-widget-text-editor\" data-id=\"41e3bb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">And what Datacultr has already solved.<\/span><\/p><p><span style=\"font-weight: 400;\">When financing expands into larger, more diverse device categories, lenders face new questions:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How do we secure devices that aren\u2019t always online (TVs, appliances)?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How do we manage risk when customers have no credit history?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How do we ensure repayments are consistent across large portfolios?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How do we handle communication, follow-ups, compliance, and legal steps across millions of devices?<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">These are not theoretical problems.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Lenders encountered them during smartphone financing, and Datacultr solved them.<\/span><\/p><p><span style=\"font-weight: 400;\">Now, those same foundations are ready to support\u00a0<\/span><b>TVs, laptops, ACs, appliances, and beyond<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-761e61d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"761e61d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb47eba\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"cb47eba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93cf89e elementor-widget elementor-widget-heading\" data-id=\"93cf89e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Datacultr in 2026: The Platform Built for Multi-Device Financing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a295453 elementor-widget elementor-widget-text-editor\" data-id=\"a295453\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Based on the proven success of smartphones, Datacultr now powers end-to-end financing across device categories through three core pillars:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1cfee5 elementor-widget elementor-widget-heading\" data-id=\"e1cfee5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Device-Level Security for Every Category<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4ef6a4 elementor-widget elementor-widget-text-editor\" data-id=\"a4ef6a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We tailor security models based on the device\u2019s characteristics:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e87cabb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e87cabb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-b9ba05e\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"b9ba05e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9cc3119 elementor-vertical-align-middle elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"9cc3119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Lock\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Offline lock<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-7259cdd\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"7259cdd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d5bdc60 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"d5bdc60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Phone-Simcard\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >SIM\/network restriction where applicable<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-d8ff80f\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"d8ff80f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed84f9c elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"ed84f9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Shield\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Tamper\/bypass protection<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-3835c26\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"3835c26\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9dc625 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"b9dc625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Smartphone-4\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >On-device communication<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-e897b6e\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"e897b6e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a3a738 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"7a3a738\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Security-Check\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >IoT locks for non-smart appliances<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa79f39 elementor-widget elementor-widget-text-editor\" data-id=\"fa79f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Smartphones, TVs, laptops, and appliances each behave differently \u2014<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Datacultr adapts risk control to each one.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d38b1b5 elementor-widget elementor-widget-heading\" data-id=\"d38b1b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Intelligent, Automated Collections for All Devices<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5566bf elementor-widget elementor-widget-text-editor\" data-id=\"b5566bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Datacultr&#8217;s suite now works across device categories:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5933ff7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5933ff7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-69ca4e5\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"69ca4e5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2d7338 elementor-vertical-align-middle elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"f2d7338\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Phone-SMS\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >DigiCalls for instant automated follow-ups<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-514a4b9\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"514a4b9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2575730 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"2575730\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Money-Bag\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >PTP journeys to convert intent into payment<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-6a49ee3\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"6a49ee3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72179c7 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"72179c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-File-ClipboardFileText\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Digital Legal Notices for compliance<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7b275ac\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"7b275ac\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7ebe59 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"c7ebe59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Smartphone-4\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >On-device reminders and nudges (including non-phone devices)<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c27d2c elementor-widget elementor-widget-text-editor\" data-id=\"8c27d2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This ensures lenders manage collections for\u00a0<\/span><b>any device, any market, any bucket<\/b><span style=\"font-weight: 400;\">: digitally, ethically, and at scale.<\/span><\/p><p><span style=\"font-weight: 400;\">For smartphones, the undeletable Odyssey app is used for managing the entire lifecycle. For other devices, Datacultr\u2019s smart SDK on the end-user app allows the financier to manage end-to-end.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5a35d2 elementor-widget elementor-widget-heading\" data-id=\"b5a35d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Behaviour-Led Borrower Engagement (TrueDigi)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6675eb4 elementor-widget elementor-widget-text-editor\" data-id=\"6675eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The intelligence layer that:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a34ac29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a34ac29\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-c760b5e\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"c760b5e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bdc54d elementor-vertical-align-middle elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"0bdc54d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Credit-Card2\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Learns borrower repayment patterns<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-d42ee43\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"d42ee43\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3468f9d elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"3468f9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Old-Clock\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Anticipates delinquency<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-4b0e855\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"4b0e855\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-874395f elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"874395f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Find-User\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Triggers the right intervention at the right time<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-d2f8d23\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"d2f8d23\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-471acc2 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-litho-icon-box\" data-id=\"471acc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"litho-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper litho-icon-box-wrapper\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\t\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\" line-icon-Financial\"><\/i>\t\t\t\t\t\t<span class=\"screen-reader-text\">Icon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\"><span >Improves repayment rates across all device types<\/span>\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a237b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a237b5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f52a5e5\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"f52a5e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c9bfcb elementor-widget elementor-widget-heading\" data-id=\"7c9bfcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2026 Outlook: The Shift from One Device to the Whole Household<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bcfb76 elementor-widget elementor-widget-text-editor\" data-id=\"1bcfb76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Because smartphone financing worked, 2026 will see:<\/p><p><span style=\"font-weight: 400;\">\u2714\ufe0f TV financing become mainstream<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\u2714\ufe0f Laptops financed for education and work<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\u2714\ufe0f ACs and appliances financed as homes upgrade<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\u2714\ufe0f Banks expanding into device-led credit for new customers<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\u2714\ufe0f OEMs and retailers adopting finance-first distribution models<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">\u2714\ufe0f Telcos bundling multiple devices into financed packages<br \/><\/span><span style=\"font-weight: 400;\">\u2714\ufe0f New business models like device subscription and renting have also become viable<\/span><\/p><p><b>The household is becoming the centre of financial inclusion, and every key device in that home can now be financed responsibly.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f2c2c48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f2c2c48\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cff0471\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"cff0471\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-147e868 elementor-widget elementor-widget-heading\" data-id=\"147e868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: Datacultr Has Already Built the Path; Now the Market Is Expanding It<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc1542e elementor-widget elementor-widget-text-editor\" data-id=\"fc1542e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Banks and lenders remain at the heart of this shift.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Customers continue to demand better devices.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">OEMs and retailers are ready to scale financing.<\/span><\/p><p><span style=\"font-weight: 400;\">And Datacultr provides the rails that connect them securely, ethically, and with proven success across\u00a0<\/span><b>25 million devices<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">2026 isn\u2019t a prediction.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">It\u2019s the next step of a model that has already proven itself.<\/span><\/p><p><b>From smartphones to the entire household, financed devices will drive the next wave of inclusion, and Datacultr will power it.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-598b999 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"598b999\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dd71b46\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"dd71b46\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9e03ef elementor-widget elementor-widget-heading\" data-id=\"f9e03ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">People Also Ask<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-497134a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"497134a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dd89d5b\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"dd89d5b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a322966 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"a322966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-a322966\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"a322966\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"why-is-multi-device-financing-the-next-logical-step-after-smartphones\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1711\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">Why is multi-device financing the next logical step after smartphones?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-1711\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"why-is-multi-device-financing-the-next-logical-step-after-smartphones\"><p><span style=\"font-weight: 400\">Smartphone financing proved that people repay when the device is important to their daily life. The same is now true for TVs, laptops, ACs, and appliances. These devices support education, work, and basic household needs. Once smartphones worked at scale, financing more devices is a natural next step<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-can-lenders-serve-first-time-borrowers-across-multiple-devices\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1712\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">How can lenders serve first-time borrowers across multiple devices?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-1712\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"how-can-lenders-serve-first-time-borrowers-across-multiple-devices\"><p><span style=\"font-weight: 400\">Smartphone financing showed that first-time borrowers can be trusted when the product has real value. Many of them return for a second loan. Multi-device financing builds on this. Lenders start with one essential device and gradually finance more devices within the same household, growing the relationship without increasing risk.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-makes-datacultr-suitable-for-financing-multiple-devices\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1713\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">What makes Datacultr suitable for financing multiple devices?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-1713\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"what-makes-datacultr-suitable-for-financing-multiple-devices\"><p><span style=\"font-weight: 400\">Datacultr was built to manage risk, engagement, and collections at the device level, not just at the loan level. This means the same system that works for smartphones can also secure and manage TVs, laptops, and appliances, even when they are offline. Lenders can use one platform to manage repayments, communication, and compliance across all device types.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>For years, banks and lenders have played a central role in financial inclusion, and that does not change. In fact,\u00a0the next wave of inclusion will depend on them even more, as consumer needs evolve beyond traditional credit into everyday essential devices. What has become clear through the last few years is this: Smartphone financing works [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":92628,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[206],"tags":[351,352,353,354,355,255,282,348,349,350],"class_list":["post-92623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-device-financing","tag-electronic-appliance-financing","tag-electronic-device-locking-for-financing","tag-consumer-durables-locking","tag-secure-electronic-financing-ways","tag-home-appliances-financing-made-safe","tag-device-lock","tag-device-locking-technology","tag-multi-device-financing","tag-ac-financing","tag-ac-financing-solutions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why 2026 Belongs to Multi-Device Financing<\/title>\n<meta name=\"description\" content=\"Discover how Multi Device Financing is shaping the future of credit for smartphones and other consumer durables like AC and many more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-financing\/25-million-smartphones-later-why-2026-belongs-to-all-kinds-of-devices-on-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why 2026 Belongs to Multi-Device Financing\" \/>\n<meta property=\"og:description\" content=\"Discover how Multi Device Financing is shaping the future of credit for smartphones and other consumer durables like AC and many more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-financing\/25-million-smartphones-later-why-2026-belongs-to-all-kinds-of-devices-on-financing\/\" \/>\n<meta property=\"og:site_name\" content=\"datacultr\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-05T10:05:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-21T06:32:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dc-webalias.wrtual.in\/blogs\/wp-content\/uploads\/2025\/12\/ChatGPT-Image-Dec-24-2025-11_56_48-AM.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Ekta Singh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@datacultrworld\" \/>\n<meta name=\"twitter:site\" content=\"@datacultrworld\" \/>\n<meta name=\"twitter:label1\" 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