Core Banking Platform for Device Financing
Complete banking infrastructure purpose-built for device financing, BNPL programs, and digital lending—with integrated device management and automated operations
Banking Infrastructure Designed for Device Financing
Traditional banking systems weren't built for device financing. They struggle with high-volume, small-ticket loans, lack device management integration, and can't handle the unique workflows of BNPL programs.
Our Core Banking Platform changes that. Purpose-built for device financing, it combines loan origination, servicing, collections, and device management in one unified system—enabling you to launch and scale device financing programs faster, cheaper, and more reliably than ever before.
Built for Scale
Process thousands of loans daily with automated workflows and real-time decisioning
Device-Aware
Native integration with device management for automated lock/unlock based on payment status
API-First Architecture
RESTful APIs enable seamless integration with your existing systems and workflows
Platform Capabilities
Everything You Need to Run Device Financing at Scale
From application to collections, our platform handles every aspect of device financing with automated workflows and intelligent decisioning
Instant Credit Decisioning
AI-powered credit scoring delivers approval decisions in under 3 seconds. Connect alternative data sources, set custom rules, and approve more customers confidently.
- Alternative data integration (mobile money, utilities)
- Customizable risk models & scorecards
- Real-time fraud detection
Multi-Channel Payment Processing
Accept payments via mobile money, bank transfers, cards, or cash—with automatic reconciliation and instant device unlock upon confirmation.
- M-Pesa, MTN MoMo, Orange Money, PIX
- Automatic payment reconciliation
- Partial payment support
Automated Device Control
Device management deeply integrated with loan lifecycle. Automatically lock devices on default, unlock on payment—no manual intervention required.
- Payment-triggered lock/unlock automation
- Configurable grace periods
- Custom lock screen messaging
Smart Collections Engine
Automated collections workflows reduce default rates by 65%. Multi-channel reminders, escalation rules, and payment plan management—all automated.
- SMS, email, push notification campaigns
- Automated escalation workflows
- Payment plan restructuring
Real-Time Analytics Dashboard
Monitor portfolio health, track KPIs, and identify trends with real-time analytics. Custom reports, automated alerts, and executive dashboards included.
- Portfolio performance metrics
- Cohort analysis & vintage reports
- Custom dashboard builder
RESTful API & Webhooks
Complete API coverage for all platform functions. Build custom integrations, automate workflows, and connect your existing systems seamlessly.
- Comprehensive REST API documentation
- Real-time webhook notifications
- Sandbox environment for testing
Flexible Loan Product Configuration
Create and manage unlimited loan products with customizable terms, interest calculations, and repayment schedules—no coding required
Loan Product Types
Smartphone, tablet, laptop financing with device-linked repayment
Short-term installment plans, 0% interest options, flexible terms
Pre-approved credit limits for repeat customers
Bulk device financing for enterprises and organizations
Interest Calculation Methods
Interest calculated on remaining principal—most common for device financing
Fixed interest on original amount—simpler for customers to understand
Interest on interest—for longer-term financing arrangements
No interest charged, flat service fee model for short-term BNPL
Flexible Repayment Schedules
52 payments/year
26 payments/year
12 payments/year
Define your own
Comprehensive Customer & Account Management
360-degree customer view with complete lifecycle management from onboarding to collections
Digital Customer Onboarding
- KYC/AML compliance checks
- Document upload & verification
- Biometric authentication
- E-signature capture
- Automated account creation
Multiple Account Types
- Individual customer accounts
- Joint accounts (co-borrowers)
- Corporate/business accounts
- Group lending accounts
- Guarantor management
Self-Service Customer Portal
- View loan balance & statements
- Make payments online
- Download payment receipts
- Request payment plan changes
- Submit support tickets
Built-In Accounting & Financial Reporting
Double-entry accounting system with automated journal entries, real-time reconciliation, and comprehensive financial reporting
Accounting Features
All transactions automatically create proper double-entry accounting records
Customizable COA with multi-level account hierarchy
Complete GL with trial balance, balance sheet, P&L statements
Support for both accounting methods with easy switching
Financial Reports
Assets, liabilities, and equity at any point in time
Revenue, expenses, and net income for any period
Operating, investing, and financing cash flows
Loan portfolio quality, arrears aging, provisioning
Reconciliation & Audit Trail
Every transaction tracked with complete audit history and automated bank reconciliation
Comprehensive Reporting Suite
Pre-built reports for every aspect of your operations, plus custom report builder for unique requirements
Client Reports
- • Client listing
- • Demographic analysis
- • Client retention
- • KYC compliance
Loan Reports
- • Disbursement reports
- • Repayment schedules
- • Arrears aging
- • Write-off reports
Portfolio Reports
- • Portfolio at risk
- • Collection rates
- • Vintage analysis
- • Cohort performance
Regulatory Reports
- • Compliance filings
- • AML/CFT reports
- • Provisioning reports
- • Audit trails
Custom Report Builder
Create custom reports with drag-and-drop interface—no SQL required
Seamless Integration with Your Ecosystem
Connect with payment providers, device management systems, CRMs, and accounting software through our comprehensive API
Pre-Built Integrations
API Capabilities
Modern REST APIs with JSON responses for easy integration
Industry-standard secure authentication and authorization
Real-time event notifications for loan status changes, payments, etc.
Interactive API docs with code samples in multiple languages
Developer-Friendly Platform
Sandbox environment, API testing tools, and dedicated developer support to get you up and running quickly
Access API DocumentationBank-Grade Security & Regulatory Compliance
Built to meet the strictest security and compliance requirements in financial services
Data Security
- AES-256 encryption at rest
- TLS 1.3 encryption in transit
- Multi-factor authentication
- Role-based access control
- Complete audit logging
Regulatory Compliance
- KYC/AML compliance tools
- GDPR data protection
- PCI-DSS for payments
- SOC 2 Type II certified
- Country-specific compliance
Infrastructure
- 99.97% uptime SLA
- Auto-scaling infrastructure
- Daily automated backups
- Disaster recovery planning
- 24/7 system monitoring
Ready to Transform Your Device Financing Business?
Join 200+ organizations across 47 countries running device financing programs on our Core Banking Platform