M-Pesa is a pan-African mobile wallet operator that provides financial services to over 30 million customers in 9 countries.

Partner Requirements

  • MPesa subscribers lacked credit access, limiting their use of the company’s mobile services
  • MPesa’s customers faced challenges which limited their ability to complete purchases or transfer money to family

The challenge

Although MPesa already offered mobile wallet services to consumers in Sub-Saharan Africa, the lack of access to credit limited the ability of consumers to complete purchases or transfer money to family.

Financial access was hampered by manual and strict banking checks that required a lot of physical documentation proof, locking most people out of access to credit and slowing down the process for those that could access lending.

However, by offering instant digital loans without the paperwork or high barriers to access, MPesa could tap into a significant market, one that is unmatched by banks or other financial providers, whilst stimulating demand for its existing wallet products.

Ezra leverages the existing compliance procedures of our partners, thereby ensuring a seamless and convenient customer experience for the existing MPesa customer base.

The solution

Ezra engaged the client on three streams: technical integration, credit scoring and product design.

Leveraging Ezra’s API, we enabled an integration between our credit check platform and MPesa’s customer-facing mobile wallet, enabling the company to deliver a quality, on-brand digital loan experience to consumers at scale. Our team also delivered technical expertise and support on development and testing for the integration with MPesa.

Our data scientists worked with MPesa to analyse transaction data and use Ezra’s proprietary scoring algorithms to create a bespoke customer scorecard. This was tailored both to their risk appetite and the characteristics of the market, so MPesa could safely achieve a high eligibility rate for their instant loans.

Finally, our expert product team worked with MPesa to design a digital loan experience with a world-class UI and UX. From designing the application process to a customer care and support interface, Ezra also delivered tools for campaign management and reporting to ensure MPesa could track performance and make enhancements.

Ezra adopted an agile delivery approach to implementation and deployment, working in collaboration with MPesa to ensure the solution was ready for a faster launch to market.


Loans accessed


Customers accessing cash loan
for the first time

The results

1 million+ customers have used Ezra powered digital loans
90% of customers gained access to credit for the first time 
<30 seconds time to recieve  

MPesa’s mobile loan product has seen huge success in Sub-Saharan Africa since adopting Ezra’s credit platform. Over a million customers have accessed instant loans with over 90% of these customers accessing credit for the very first time, helping to significantly increase financial inclusion.

Thanks to Ezra’s innovative credit checking service, MPesa has been able to deliver an unrivalled online customer experience with users receiving funds less than 30 seconds after they start an application, with no physical paperwork or stringent guarantees required.

Digital cash loans has since become one of the top revenue generators for MPesa whilst increasing customer adoption of their existing digital wallet products thanks to increased customer access to credit.

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