End-to-end digital lending: application (Go) → bureau pull → AI scoring → decisioning → offer → e-sign → disbursement → collections. White-label for micro-lenders and fintechs.
- Go forms for loan applications
- ObjScorecard for credit scoring
- ObjDecisionSwitch for underwriting rules
- Workflow engine for loan lifecycle
- SMS/WhatsApp notifications
- Data transfer for bureau integration
- Document upload + verification
- Email reports with AI analysis
- Bureau pull integration (XDS, TransUnion real-time API)
- NCA compliance rules engine (affordability, reckless lending checks)
- Disbursement gateway (bank API or EFT batch)
- Debit order management (Netcash, PayGate)
- Collections workflow (escalation, legal, write-off)
- Loan book reporting (provisioning, arrears ageing)
- Client self-service portal (balance, statements, PTP)
- Origination fee: R50 - R500 per loan
- Monthly per-loan servicing: R5 - R25
- Platform licence: R25,000 - R100,000/month
- Bureau pass-through at cost + margin
All underwriting AI runs locally — borrower PII never leaves the lender's network. Simulation shows exact rule path for every decision (audit trail for NCA complaints). Compete with Mambu/Temenos at a fraction of the cost.
Micro-lenders (NCR registered), fintechs, payroll lenders, retail credit