We have agents all over who are embedded in our value chain to help us reach and understand our target of rural communities and informal borrower networks built on TRUST that many microlenders can’t or won’t serve.
We have embedded financial literacy as part of our process to encourage responsible borrowing. We educate the borrowers on how to improve their credit scores and avoid over indebtedness.
The underserved and informal borrowers are our primary target, and most of them have received credit scores for the first time ever through our Credit Scoring Platform: Patascore.
We have combined both offline and online technologies to reach our targeted audience.Our borrowers can access financial services through SMS, USSD. And our lenders through mobile and web app and robust APIs.