Industries · Finance
A solution for MFIs, leasing, insurance and pawnshops: online applications with scoring, a client portal, automatic payment reminders, portfolio monitoring and executive analytics. Below are 14 concrete ideas — each with the math on what it earns and saves.
Industries · Finance
If the loan portfolio lives in Excel, overdue payments are also seen too late.
×2
more applications — with online submission
30%
of payments arrive late — without a reminder system
50%
of operator time goes to "what's my balance?" questions
×3
slower application review — with a paper process
Source: CGAP digital finance research · industry practice
14 ideas
The system is more than bookkeeping software — every module delivers a measurable result.
Clients apply without visiting the office: amount, term, documents — all from a phone.
Effect
×2
application flow — once the online channel opens
A client with no time for the office used to be a lost client
The system grades applications by set criteria: income, history, collateral. Staff only see borderline cases.
Effect
×3
faster application review
The organisation that answers first wins the client
The contract, payment schedule, balance and next due date — on the client's phone.
Effect
−50%
fewer calls to operators
Operator time is freed for new clients
3 days before, on the day, and when overdue — automatic reminders. Most delays are simple forgetfulness.
Effect
−30%
fewer late payments
A timely reminder is debt collected at zero cost
Payment via Payme, Click, Uzum — no queue at the till. The payment posts to the contract instantly.
Effect
+20%
more on-time payments — when paying is easy
When paying is hard, clients postpone
Passport, selfie and income statement uploaded online and reviewed against a checklist.
Effect
−60%
less time on processing
A contract closed in one visit is a happy client
The portfolio live: current, 1–30 days, 30–90 days, problem loans. Each bucket handled separately.
Effect
−25%
smaller problem-loan share — with early intervention
A delay caught before day 30 is 4× easier to collect
Annuity, straight-line, penalties — no manual math, no errors.
Effect
±0%
calculation errors — with automation
A calculation error is a problem with trust and the regulator
Applications move along a defined chain: officer → supervisor → committee. Every decision leaves a trace.
Effect
×2
faster decisions — with a digital chain
The audit trail is a ready answer for internal control and the regulator
Clients ask the bot for their balance, learn the due date and set reminders.
Effect
−40%
fewer information requests
A question the bot answers never reaches an operator
All branches in one system: clients served at any branch, the director sees everything.
Effect
+15%
branch efficiency — with comparison and oversight
The lagging branch is visible at once
Periodic reports for the central bank and tax authorities assemble automatically from system data.
Effect
−80%
less time preparing reports
A hand-built report risks errors and fines
Every enquiry from advertising is logged and tracked to a contract.
Effect
+20%
lead-to-contract conversion
Advertising without channel data is burning money
Portfolio, disbursements, NPL, revenue, branches — on a phone in real time.
Effect
−15%
fewer hidden losses — with full visibility
The earlier a portfolio problem is seen, the cheaper the fix
14 ideas
Based on international research and the practice of similar projects.
×2
Application flow (online channel)
−30%
Late payments
−25%
Problem portfolio
×3
Application review speed
−50%
Calls to operators
−80%
Reporting time
In a free consultation we'll identify which modules will give your organisation the biggest effect, and estimate the price and timeline.