Scalable, secure, and intelligent technology
Ezra’s lending infrastructure is built for seamless integration, high performance, and global scalability, enabling partners to deploy credit solutions efficiently and reliably.
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Scalable deployment
Works across on-premises, cloud, or hybrid environments for seamless growth.
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Seamless Integration
Plug-and-play API connects with all major platforms.
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Unmatched reliability
99.995% uptime, 24/7 operations, clear Service Level Agreements (SLAs), and a streamlined reconciliation process.
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AI-driven credit scoring
Real-time assessments powered by advanced machine learning and big data.
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Optimised user experience
Mobile-first design for iOS, Android, and WAP-based interfaces, integrated via a mini-app infrastructure.
Ezra’s credit scoring advantage
Ezra’s proprietary credit scoring models unlock financial access for unbanked populations by analysing alternative data sources:
- Mobile usage patterns
- Utility bill payments
- Advertising & behavioural data
- Social media engagement
By leveraging non-traditional credit indicators, Ezra delivers precise risk assessment; expanding credit access while minimising default.
Ezra’s robust technology stack enables businesses to launch credit solutions faster, smarter, and with minimal friction — maximising impact while ensuring operational efficiency.
Who can benefit from Ezra's credit solutions?
Banks & Financial Institutions
Expand financial services to unbanked populations with low-risk, scalable lending models.
Mobile Network Operators
Boost customer retention and increase revenue with integrated airtime and mobile lending solutions.
Fintech
Deliver scalable solutions that reduce churn and increase Average Revenue Per User (ARPU).
Digital Wallet Providers
Increase engagement with embedded credit solutions tailored for mobile-first economies.
