# Ezra > Equal access. Endless possibilities. --- ## Pages - [Executive Committee](https://ezra.world/company/executive-committee/): Company Peter De Caluwe Chief Executive Officer Linkedin-in Peter drives Ezra’s global strategy and growth, bringing over 20 years of... - [Merchant & Agent Loans](https://ezra.world/products/merchant-agent-loans/): Fast, flexible working capital. Ezra’s embedded credit solution gives your merchant and agent networks the capital they need to grow... - [Instalment Loans](https://ezra.world/products/instalment-loans/): Make big purchases more manageable. Ezra’s instalment loan solution lets your customers spread the cost of essential purchases over time.... - [Airtime Lending](https://ezra.world/products/airtime-lending/): Stay connected when it matters. Ezra’s Airtime Lending keeps your customers online, in touch, and in control — even when... - [Buy Now, Pay Later](https://ezra.world/products/buy-now-pay-later/): Buy Now, Pay Later (BNPL) Flexible payments embedded into every purchase. Ezra’s BNPL solution lets your customers shop now and... - [Line of Credit](https://ezra.world/products/line-of-credit/): Flexible funds, always within reach. A flexible, adjustable credit facility for greater customer convenience — giving customers access to a... - [Overdraft](https://ezra.world/products/overdraft/): Uninterrupted financial access. Ezra’s overdraft feature keeps users transacting without friction, providing seamless, need-based credit whenever it is required. Even... - [Cash Loans](https://ezra.world/products/cash-loans/): Instant, flexible credit — right from your wallet. Provide your customers with what they need most: instant access to cash... - [Case Studies](https://ezra.world/case-studies/): Explore real-world examples of how Ezra makes credit accessible Speak to our partnership team. Get in touch to learn more... - [Sustainability](https://ezra.world/sustainability/): Sustainable growth starts with access. Financial inclusion is not just a service. It’s our purpose. At Ezra, we believe that... - [Careers](https://ezra.world/company/careers/): Current openings at Ezra At Ezra, our customers come from all walks of life and so do we. We’re committed... - [Thank You](https://ezra.world/contact/thank-you/): Contact Us Thank you for getting in touch We appreciate you contacting us. Our team will get back to you... - [Terms of Use](https://ezra.world/terms-of-use/): www. ezra. world is a website operated and managed by LendTech Investment Holdings Private Limited, a company registered under the... - [Cookie Policy](https://ezra.world/cookie-policy/): Cookie files A cookie is a small file of letters and numbers that we store on your browser or the... - [Privacy Policy](https://ezra.world/privacy-policy/): Ezra (“We”, “the Company”) respects your privacy and is committed to ensuring that any Personal Data you share with us... - [Contact Us](https://ezra.world/contact/): Get in touch to learn more about our products and services Our offices Singapore 1 Raffles Place, One Raffles Place... - [Resources](https://ezra.world/resources/): Discover our latest news and industry insights All Newsroom Insights News 13 November 2024 Read more News 17 August 2023... - [Partners](https://ezra.world/partners/): Seamless credit solutions for a more inclusive economy Ezra powers scalable, responsible lending for mobile network operators, digital wallets, banks,... - [Technology](https://ezra.world/technology/): Scalable, secure, and intelligent technology Ezra’s lending infrastructure is built for seamless integration, high performance, and global scalability, enabling partners... - [Products](https://ezra.world/products/): Revolutionising financial inclusion with seamless credit solutions We provide seamless, ready-to-launch credit solutions that open financial opportunities for the unbanked,... - [Company](https://ezra.world/company/): About Ezra Equal access. Endless possibilities. Ezra is a market-leading fintech infrastructure provider, dedicated to empowering local communities with seamless,... - [Home](https://ezra.world/): At Ezra, we make credit accessible to underserved markets through technology, helping communities grow sustainably. --- ## Posts - [Bridging the digital divide: How credit solutions are fuelling mobile and internet access](https://ezra.world/insights/how-credit-solutions-are-fuelling-mobile-and-internet-access/): For millions across emerging markets, limited access to mobile and internet services is more than an inconvenience, it’s a systemic... - [Solving liquidity challenges in emerging markets: The role of embedded credit in driving financial inclusion ](https://ezra.world/insights/solving-liquidity-challenges-in-emerging-markets/): Liquidity is the lifeblood of economic activity, particularly in emerging markets where its absence can stall growth and limit opportunity.... - [Journey of a Microloan: From application to approval](https://ezra.world/insights/journey-of-a-microloan-from-application-to-approval/): The Role of Microloans in Financial Inclusion Microloans play a crucial role in expanding financial access in emerging markets where... - [How alternative credit scoring models are unlocking access to finance](https://ezra.world/insights/how-alternative-credit-scoring-models-are-unlocking-access-to-finance/): In today’s financial landscape, responsible access to credit can be a powerful enabler of economic mobility and wealth creation. Yet,... - [Singapore-based TransferTo and Pan-African Ecobank group forge strategic partnership to expand financial access and cross-border payments across Africa](https://ezra.world/news/transferto-ecobank-group-expand-financial-access-and-cross-border-payments/): Singapore-based TransferTo and Pan-African Ecobank group forge strategic partnership to expand financial access and cross-border payments across Africa - [An introduction to Airtime Credit Services (ACS)](https://ezra.world/insights/an-introduction-to-airtime-credit-services-acs/): Airtime Credit Services (ACS) provides easy and convenient access to telecommunications services at any time, from anywhere, at the touch of a button - [An introduction to our product portfolio](https://ezra.world/insights/an-introduction-to-our-product-portfolio/): Ezra helps individuals and SMEs in more than 24 countries access fast, simple, and responsible credit solutions. - [An introduction to Cash Loans](https://ezra.world/insights/an-introduction-to-cash-loans/): Cash loans or nano loans are a type of short-term lending option designed to provide quick access to funds for individuals and SMEs - [Ezra: Innovative credit solutions for a more inclusive world](https://ezra.world/insights/ezra-innovative-credit-solutions-for-a-more-inclusive-world/): Ezra is a leading microlending fintech which provides B2B credit solutions for financial institutions and service providers, primarily in emerging markets - [Financial regulation in Africa: Challenges and solutions](https://ezra.world/insights/financial-regulation-in-africa-challenges-and-solutions/): There is no pan-African regulatory body. Instead, each country is subject to its own set of financial regulations, usually governed by its central bank. Read to learn more! - [Ezra and Mobile Money Operators](https://ezra.world/insights/ezra-and-mobile-money-operators/): Across the world, Mobile Money Operators and their customers are benefiting from Ezra’s easy, rapid, and robust lending solutions. - [Ezra team profile: Peter Mugendi — Senior Software Engineer](https://ezra.world/news/ezra-team-profile-peter-mugendi-senior-software-engineer/): At Ezra, our goal is to improve financial inclusion for all. Meet the people behind our brand, who are making this possible. - [Alternative data: A new era for credit lending](https://ezra.world/insights/alternative-data-a-new-era-for-credit-lending/): Alternative data has the potential to propel global financial inclusion even further forward. But what is it? How does it work? - [Leveling up the global economy: Why credit lending matters for financial inclusion](https://ezra.world/insights/leveling-up-the-global-economy-why-credit-lending-matters-for-financial-inclusion/): With the predicted global downturn set to widen economic imbalance, now more than ever people need easy, rapid, and responsible access to finance - [Meet The Team: Dinko Svetic — VP of Growth (Anglophone Africa)](https://ezra.world/news/meet-the-team-dinko-svetic/): At Ezra, our goal is to improve financial inclusion for all. Meet the people behind our brand, who are making this possible. - [Economic downturns: The importance of credit, and how Ezra can help](https://ezra.world/insights/economic-downturns-the-importance-of-credit-and-how-ezra-can-help/): As the threat of global recession lingers on the horizon, what role can lending providers play in easing economic pain... - [Ezra announces the appointment of its Chief Risk Officer](https://ezra.world/news/ezra-announces-the-appointment-of-its-chief-risk-officer/): The appointment is a key milestone in Ezra’s ambitious expansion plan to support the financially underserved in emerging economies. - [How to make Africa’s mobile money boom work for your business](https://ezra.world/insights/how-to-make-africas-mobile-money-boom-work-for-your-business/): In this article we explore the continued rise of mobile money in Africa, and examine its impact on the region - [Apis Growth Fund II announces investment in Ezra](https://ezra.world/news/apis-growth-fund-ii-announces-investment-in-ezra-a-leading-microlending-fintech/): Apis Partners LLP, a UK-based asset manager that supports growth-stage financial services and financial infrastructure businesses, has announced its investment in Ezra. - [Ezra — Supporting partners to increase financial inclusion across the world](https://ezra.world/insights/ezra-supporting-partners-to-increase-financial-inclusion-across-the-world/): Our mission is to help our partners improve financial inclusion in markets where people have traditionally been excluded - [The importance of AI and machine learning in credit lending](https://ezra.world/insights/the-importance-of-ai-and-machine-learning-in-credit-lending/): Like fintech itself, AI is the smart solution to the complex problems which affect end users across the world. - [Financial inclusion: How credit scoring can help level the playing field](https://ezra.world/insights/financial-inclusion-how-credit-scoring-can-help-level-the-playing-field/): In this article, we explore how Ezra is empowering its partners to provide financial freedom to more people, in more places. - [Five reasons why Ezra is your credit solution gamechanger](https://ezra.world/insights/five-reasons-why-ezra-is-your-credit-solution-gamechanger/): Read on to learn five reasons why Ezra is the best embedded lending platform on the market today --- # # Detailed Content ## Pages - Published: 2025-05-06 - Modified: 2025-05-26 - URL: https://ezra.world/company/executive-committee/ Company Peter De Caluwe Chief Executive Officer Linkedin-in Peter drives Ezra’s global strategy and growth, bringing over 20 years of experience in fintech and payments. He specialises in building inclusive financial ecosystems and scaling businesses across emerging markets. His work spans multiple continents, championing digital transformation and expanding access to modern financial tools. Low Yaoyang (YY) Managing Director Linkedin-in Yaoyang is the Managing Director at Ezra, overseeing P&L, product delivery, and market execution across our portfolios. With a background in fintech innovation and financial inclusion, he drives the design and scale-up of credit products tailored for underserved communities. Yaoyang leads Ezra’s go-to-market efforts—shaping product strategy, building partnerships, and driving growth through data-driven, customer-centric solutions. Andrew Goodrich Chief Operating Officer / Chief Risk Officer Linkedin-in Andrew is the Chief Operating Officer and Chief Risk Officer at Ezra, where he leads operations and credit risk strategy across our portfolios. With over 30 years of experience in consumer finance, he brings deep expertise in designing scalable lending models anchored in robust risk management and operational discipline. Andrew is committed to executional excellence, product integrity, and expanding inclusive access to alternative consumer credit (ACC) markets. Thierry Siminger Chief Revenue Officer Linkedin-in Thierry heads Ezra’s global partnerships, sales, and commercial strategy. With over 30 years of experience in digital identity, mobile payments, and inclusive technologies, particularly in emerging markets, he focuses on expanding Ezra’s reach through trusted partnerships and sustainable business models. Dan Gardner Chief Financial Officer Linkedin-in Dan leads Ezra’s financial strategy, capital markets... --- - Published: 2025-04-25 - Modified: 2025-06-24 - URL: https://ezra.world/products/merchant-agent-loans/ Fast, flexible working capital. Ezra’s embedded credit solution gives your merchant and agent networks the capital they need to grow — instantly available, collateral-free, and designed around real transaction flows. Why Ezra Instant access to working capital Pre-approved credit offered, with no paperwork or delays. Funds are available the moment merchants need them so they never miss a sale or restock opportunity. Higher usage, higher limits Credit limits scale automatically based on transaction volume and repayment history, rewarding active, reliable merchants with greater access over time. No collateral required Our digital-first approach removes the need for physical guarantees. Credit decisions are based on wallet activity — not assets, making finance more inclusive. Embedded into payment flows From disbursement to repayment, everything runs through the wallet. It’s fully automated, fully integrated, and designed for how merchants already operate. How it works 01Eligible users receive a pre-approved limit 02Funds are instantly accessible via mobile wallet 03Repayments deducted automatically or on flexible terms 04Limits reviewed based on performance Fuel daily trade, not just emergencies From restocking fast-moving goods to managing peak cash flow, Ezra supports merchants, agents, and micro-entrepreneurs with credit that keeps up with how they work. Start now Speak to our experts Discover how Ezra’s digital credit solutions can fuel your business. Contact us today --- - Published: 2025-04-25 - Modified: 2025-06-24 - URL: https://ezra.world/products/instalment-loans/ Make big purchases more manageable. Ezra’s instalment loan solution lets your customers spread the cost of essential purchases over time. It is transparent, flexible, and fully integrated into their wallet experience. Why Ezra Flexible repayment options Customers can select a repayment plan that works for them (1 to 6 months), making it easier to manage finances without disrupting daily cash flow. Whether it’s a one-time purchase or an urgent need, flexibility supports better budgeting and confidence. Transparent pricing All loan terms and fees are clearly presented upfront, so customers know exactly what they are committing to before they accept. Higher loan amounts Ideal for devices, school fees, home appliances, or working capital, giving customers the power to do more. Income-aligned repayment Repayments are automatically deducted from wallet inflows, ensuring a seamless and predictable experience. How it works 01Apply via app or USSD during checkout 02Receive a tailored loan offer based on the wallet and credit profile 03Accept the repayment plan and terms 04Repay automatically over time via wallet deductions Flexible credit for what matters most From smartphones and school fees to shop inventory and agent float, Instalment Loans help customers cover larger expenses and repay on terms that match how they earn. A parent can pay school fees upfront and spread repayments over their monthly salary inflows. A micro-merchant can stock up on bulk goods and repay gradually as sales come in. Even wallet agents can use the extra liquidity to manage higher customer demand, without cash flow stress. Start... --- - Published: 2025-04-25 - Modified: 2025-06-24 - URL: https://ezra.world/products/airtime-lending/ Stay connected when it matters. Ezra’s Airtime Lending keeps your customers online, in touch, and in control — even when their balance runs out. With instant top-ups and automatic repayment, they can borrow airtime, data, or bundles in seconds and repay on their next wallet refill. Why Ezra Instant top-up Airtime, data, or bundles are made available instantly, ensuring customers stay connected without delay. No waiting, no application process — just immediate access when it’s needed most. Omnichannel access Available via USSD, mobile app, or IVR, the solution works seamlessly across device types — supporting both feature phone and smartphone users. Always-on automation Eligibility checks, disbursements, and repayments all happen automatically in the background. No forms, no follow-ups, just a frictionless system that works when your customers need it most. How it works 01Customer requests airtime via USSD, app, or IVR 02Seamless and instantaneous eligibility check 03Airtime is credited to their account 04Loan is repaid automatically with the next recharge Built for always-on moments A parent making an emergency call, a student submitting a school project, or a small business owner confirming a sale — Airtime Lending bridges the gap between now and the next recharge, keeping your customers connected and your platform essential. Start now Speak to our experts Discover how Ezra’s digital credit solutions can fuel your business. Contact us today --- - Published: 2025-04-25 - Modified: 2025-06-24 - URL: https://ezra.world/products/buy-now-pay-later/ Buy Now, Pay Later (BNPL) Flexible payments embedded into every purchase. Ezra’s BNPL solution lets your customers shop now and spread payments over time — automatically, through their mobile wallet. No credit checks, no extra apps. Just a seamless, built-in way to make bigger purchases more manageable. Why Ezra Instant approval at checkout Customers receive a decision in real time, enabling them to complete their purchase immediately, without leaving the checkout flow. No paperwork, no friction No form or documentation required. Credit is accessed instantly, making the process fast, simple, and user-friendly. Built for mobile money wallets The solution works natively within mobile wallets, making it easy to activate, manage, and repay — all in one place. Flexible plans, tailored to cash flow Customers choose a repayment schedule that fits their income patterns, improving affordability and reducing default risk. How it works 01Customer selects BNPL at checkout 02Chooses a repayment plan that works for them 03Instalments deducted from wallet automatically 04Payment schedule tracked in-app Built for everyday purchases From fashion and appliances to phones and school supplies, Ezra’s BNPL empowers consumers to buy what they need, when they need it. It’s also a lifeline for small businesses covering upfront costs without disrupting cash flow. Get in touch Speak to our experts Discover how Ezra’s digital credit solutions can fuel your business. Contact us today --- - Published: 2025-04-25 - Modified: 2025-06-24 - URL: https://ezra.world/products/line-of-credit/ Flexible funds, always within reach. A flexible, adjustable credit facility for greater customer convenience — giving customers access to a risk- and affordability-based limit. Ready to use anytime, and repayable either immediately or in instalments. Why Ezra Instant access, no waiting Get approved in seconds and use funds right away without the need for forms. No delays, just seamless support when your customers need it. Always-on credit A reusable credit facility available anytime. Whether it is a bill, top-up, or unexpected cost, customers draw from their line of credit whenever needed. Built into your wallet Fully embedded into mobile money wallets, the solution allows users to borrow, spend, and repay — all within a single, familiar interface. Borrow, repay, repeat As repayments are made, the available limit is refreshed — giving customers flexibility to manage spending across days, weeks, or months. How it works 01Customer selects Line of Credit at checkout 02Available balance is used directly to complete the payment 03Repay in full or in parts — limit refreshes as they repay 04Limits increase with responsible usage and good repayment history Built for everyday liquidity Ezra’s Line of Credit supports a wide range of real-world needs — from managing household expenses to smoothing out business cash flow. It’s an ideal solution for individuals navigating short-term gaps, and for merchants or agents looking to finance daily operations with ease and confidence. Get in touch Speak to our experts Discover how Ezra’s digital credit solutions can fuel your business. Contact us today --- - Published: 2025-04-25 - Modified: 2025-06-24 - URL: https://ezra.world/products/overdraft/ Uninterrupted financial access. Ezra’s overdraft feature keeps users transacting without friction, providing seamless, need-based credit whenever it is required. Even when wallet balances run low, payments go through. No delays, no manual steps. Just a smooth, uninterrupted journey that keeps uptime high. Why Ezra Auto-approved from day one Loans are approved instantly using wallet usage patterns — no forms, no credit checks required. Customers get seamless access to credit, based on how they already use their mobile wallet. Always on, no extra steps No need to apply each time. Overdrafts are built into the wallet experience — pre-approved and automatically activated when balances run low. Instant settlement, zero hassle Repayments are auto-deducted as soon as funds arrive, keeping the experience smooth, simple, and stress-free for customers and providers alike. How it works 01Overdrafts are pre-approved based on wallet activity 02One-time setup — facility stays open if used responsibly 03Automatically activates when the balance is too low 04Limits grow with consistent wallet usage and good repayment behaviour 05Repayments are deducted as soon as new funds are received Built for real life From paying at a shop or pharmacy to settling hospital bills, Ezra helps mobile money users complete urgent transactions even when their balance is low. It is there for late-night electricity top-ups, unexpected expenses, or freelancers bridging the gap while waiting on delayed payments. Wherever timing matters, Ezra keeps things moving. Get in touch Speak to our experts Discover how Ezra’s digital credit solutions can fuel your business. Contact us... --- - Published: 2025-04-21 - Modified: 2025-06-24 - URL: https://ezra.world/products/cash-loans/ Instant, flexible credit — right from your wallet. Provide your customers with what they need most: instant access to cash when it matters. Ezra’s cash loan solution unlocks short-term credit — fast, frictionless and designed for real life fully embedded into the platforms people are already using. Why Ezra Approvals in seconds, disbursements in minutes Ezra’s real-time credit engine enables loan approvals and wallet disbursements in minutes — no long forms, no delays — providing instant value to your customers. Frictionless Access — Powered by Alternative Data Ezra's credit scoring solution uses real-time wallet activity and usage patterns. No forms, no paperwork. Onboarding is instant, inclusive and built for customers overlooked by traditional systems. Flexible repayments — Automatic wallet deductions Repayments are designed around how customers live and earn, offering the flexibility to pay manually or through auto-deductions — reducing missed payments and improving user experience. Drives customer retention Real-time credit, paired with built-in affordability checks that ensure customers only borrow what they can manage. This protects against unnecessary churn, builds trust, and helps deliver a high-impact financial product that keeps users engaged over time. How it works 01Customer applies via app or USSD 02Ezra scores based on alternative data 03Loan is instantly sent to wallet 04Repayment happens manually or via auto-deduction on due date Built for everyday life School fees, hospital visits, sudden expenses — Ezra’s solutions give families instant support when they need it most. They empower women running small shops or home businesses with quick access to... --- - Published: 2025-04-09 - Modified: 2025-04-14 - URL: https://ezra.world/case-studies/ Explore real-world examples of how Ezra makes credit accessible Speak to our partnership team. Get in touch to learn more about our products and services. Contact us --- - Published: 2025-04-07 - Modified: 2025-04-07 - URL: https://ezra.world/sustainability/ Sustainable growth starts with access. Financial inclusion is not just a service. It’s our purpose. At Ezra, we believe that access to credit drives sustainable progress. We provide inclusive financial solutions that empower individuals, women entrepreneurs, and small businesses to grow, participate in the economy, and build a stronger future. Why it matters Access to credit changes lives. But in many parts of the world, it remains out of reach. We’re here to change that — with products designed for the realities of emerging markets and technology that helps us reach people traditional banks can’t. Our impact focus Financial Inclusion Affordable credit for individuals and businesses in underserved communities. Women’s Economic Empowerment 60% of Ezra's loans empower women to build thriving businesses. Small Business Growth Working capital for merchants, agents, and micro-enterprises. Responsible Innovation Data-driven credit scoring for fair, scalable, and ethical lending. Aligned with global goals Ezra’s work supports the United Nations Sustainable Development Goals (SDGs): We’re scaling with intention. As our reach expands, so does our responsibility to do things right. Ezra is committed to building a future where credit is accessible, impactful, and sustainable. Get in touch Speak to our partnership team. Get in touch to learn more about our products and services. Contact us --- - Published: 2025-03-05 - Modified: 2025-03-05 - URL: https://ezra.world/company/careers/ Current openings at Ezra At Ezra, our customers come from all walks of life and so do we. We’re committed to creating a diverse environment and hire great people from a wide range of backgrounds. We are proud to be an equal opportunity employer and believe our diverse workforce only makes our company stronger. All qualified applicants will receive consideration for employment without regard to race, colour, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability or age. Our inclusive culture inspires commitment, fuels curiosity and collaboration, and encourages us to be bold, share our ideas and perspectives and urges others to do the same. Speak to our partnership team. Get in touch to learn more about our products and services. Contact us --- - Published: 2025-02-27 - Modified: 2025-02-27 - URL: https://ezra.world/contact/thank-you/ Contact Us Thank you for getting in touch We appreciate you contacting us. Our team will get back to you shortly to start the conversation. Go to homepage --- - Published: 2025-02-24 - Modified: 2025-03-05 - URL: https://ezra.world/terms-of-use/ www. ezra. world is a website operated and managed by LendTech Investment Holdings Private Limited, a company registered under the laws of Singapore and located at 1 Raffles Place, #28-61 One Raffles Place, Tower 2, Singapore 048616. For the purposes of these Terms of Use, the term “Ezra” shall refer to LendTech Investment Holdings Private Limited and its subsidiaries. Ezra operates a B2B2C digital lending solution in collaboration with partners including banks, fintechs, mobile wallets, telecommunication companies and other B2C entities. By using this website, operating under domain ‘www. ezra. world’ (“Website”)(“Website”)you agree to be bound by the following Terms of Use (“Terms”). If you do not agree to these terms, you must not use this Website. We may modify these Terms at any time at our sole discretion, and such modifications shall be effective as indicated in the modified Terms. You shall review the Terms periodically to be aware of such modifications. If you continue to access or use the Website, you confirm that you accept the modified Terms. Using our WebsiteYou can use our Website to:search for information regarding Ezra and our business;contact us and to engage in a business relation with Ezra; andto use our external platform to apply for jobs within Ezra. Our contentAny content, including but not limited to, information, communications, software, images and sounds contained on or available through the Website, is provided by Ezra, our providers or third-party licensors. The intellectual property rights to or over the contents available on the Website are... --- - Published: 2025-02-24 - Modified: 2025-03-05 - URL: https://ezra.world/cookie-policy/ Cookie filesA cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive. Think of cookies as your device’s name tag on our website. Our website gives you a cookie to distinguish you from other users of our website. This helps us collect information about your use of the website and to enable us to identify you on subsequent visits to our website. Cookies allow us to provide you with a good experience when you browse our website and allows us to improve our website. Purpose of cookiesWe use the following cookies:Strictly necessary cookies. These are cookies that are required for the operation of our website, and you cannot turn them off. They include cookies that relate to security features of the website. Analytical or performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you and remember your preferences (for example, your choice of language or region). Targeting cookies. These cookies record your visit to our website, the pages you have... --- - Published: 2025-02-24 - Modified: 2025-03-05 - URL: https://ezra.world/privacy-policy/ Ezra (“We”, “the Company”) respects your privacy and is committed to ensuring that any Personal Data you share with us is protected. This Privacy Statement aims to inform you of the Personal Data that We collect that relates to you and lay out your data privacy and protection rights and how you may enforce them. From time to time, this Privacy Statement may be supplemented by notice that relates to the specific Processing activities that We engage in (“Privacy Notice”). Where a Privacy Notice is applicable to you, it will be provided at the point of collection of your Personal Data. 1. Who We are Ezra is made up of several distinct legal entities, each incorporated in a different jurisdiction. When We refer to Ezra or the Company, We shall be referring to the Ezra Group, consisting of LendTech Investment Holdings Pte. Ltd. , incorporated in Singapore (LendTech Singapore), LendTech Services Ltd, incorporated in the Republic of Kenya (LendTech Kenya), and LendTech Middle East FZE, incorporated in the United Arab Emirates (LendTech Dubai). If you have any questions about this Privacy Statement or our data protection measures and practices, you may contact us through our email address — privacy@ezra. world 2. Information We collect from you Ezra collects, stores and Processes a wide range of data. Some of the Personal Data We collect relates to you as an individual and may be used to identify you (“Personal Data”). We may process the following Personal Data from you: Name Age Contact... --- - Published: 2025-02-19 - Modified: 2025-03-05 - URL: https://ezra.world/contact/ Get in touch to learn more about our products and services Our offices Singapore 1 Raffles Place, One Raffles Place Tower 2, #28-61, Singapore 048616 Dubai LendTech Middle East FZE, Dubai Silicon Oasis Head Quarters, D5-501-505, 510 Dubai, United Arab Emirates Nairobi Lendtech Services Ltd, Nairobi Garage, Pinetree Building, Kindaruma Road, Nairobi, Kenya Hear what our customers say Ezra fully understands the lending business and worked closely with us to align their services to our business needs with ongoing tweaks and iterations to meet performance goals. The Ezra team work fluidly to adapt and accommodate technical changes as a result of nuances across both platforms, whilst also jointly assessing how we can mitigate risk and manage operational issues. Orange Money has partnered with Ezra and Access Bank Botswana to launch Botswana’s first Nano Loan product enabling convenient access to affordable real time credit. I am happy to provide a recommendation for Ezra. Ezra provides airtime credit service to customers of Airtel Kenya. We confirm that they discharge their obligations well and hereby recommend them as a service provider for airtime credit service. Access Bank has been working with Ezra for the past five years. The mobile based Nano Loan is the first of its kind in Mozambique, allowing customers of all levels of society to access financial services. We’ve successfully performed four million transactions in the past year alone. We would recommend Ezra Services Ltd for any similar undertaking in any geography that they choose to operate in. Ezra fully... --- - Published: 2025-02-19 - Modified: 2025-03-05 - URL: https://ezra.world/resources/ Discover our latest news and industry insights All Newsroom Insights News 13 November 2024 Read more News 17 August 2023 Read more News 12 August 2023 Read more News 9 August 2023 Read more News 4 August 2023 Read more Insights 5 February 2024 Read more Insights 14 December 2023 Read more Insights 28 November 2023 Read more Insights 12 October 2023 Read more Insights 19 September 2023 Read more Insights 1 September 2023 Read more Insights 15 August 2023 Read more Insights 13 August 2023 Read more Insights 11 August 2023 Read more Insights 6 August 2023 Read more Insights 3 August 2023 Read more Insights 3 August 2023 Read more Insights 2 August 2023 Read more Insights 1 August 2023 Read more Speak to our partnership team. Get in touch to learn more about our products and services. Contact us --- - Published: 2025-02-19 - Modified: 2025-03-05 - URL: https://ezra.world/partners/ Seamless credit solutions for a more inclusive economy Ezra powers scalable, responsible lending for mobile network operators, digital wallets, banks, and fintechs. Our credit infrastructure helps partners increase engagement, boost revenue, and serve unbanked populations, without operational burden. Why partner with Ezra? Ezra helps partners launch and scale lending products quickly and profitably — without upfront investment. Seamless Integration Plug-and-play APIs for fast deployment Unrivalled Scalability & Reliability 99. 995% uptime, supporting cloud, on-premises, and hybrid environments. Smart Credit Scoring Alternative data sources and robust machine learning models that minimise risk and expand access. Fully Managed Solutions End-to-end support from origination to risk management. Flexible Business Models Risk-sharing, commission-based, or custom models. Who we work with Banks & Financial Institutions Expand into underserved markets with risk-optimised lending. AI-driven credit scoring for low NPLs Embedded micro-loans and overdrafts Scalable platform for consumer and SME financing Partner with us Mobile Network Operators (MNOs) Increase ARPU and customer retention with embedded airtime and nano-lending. Up to 95% subscriber eligibility Automated repayment upon top-up Proven revenue driver Partner with us Fintech Offer embedded lending solutions without heavy investment. Pre-built credit infrastructure for faster go-to-market Alternative credit scoring to expand access API-first approach for seamless integration Partner with us Digital Wallet Providers Boost engagement and transactions with built-in credit solutions. Frictionless in-wallet lending Drives higher adoption and user retention Supports BNPL, micro-loans, and overdrafts Partner with us Let’s build the future of financial access Unlock new revenue, reduce risk, and expand financial inclusion with Ezra.... --- - Published: 2025-02-19 - Modified: 2025-04-21 - URL: https://ezra.world/technology/ 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. Scalable deployment Works across on-premises, cloud, or hybrid environments for seamless growth. Seamless integration Plug-and-play API connects with all major platforms. Unmatched reliability 99. 995% uptime, 24/7 operations, clear Service Level Agreements (SLAs), and a streamlined reconciliation process. AI-driven credit scoring Real-time assessments powered by advanced machine learning and big data. 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. Learn more Mobile Network Operators Boost customer retention and increase revenue with integrated airtime and mobile lending solutions. Learn more Fintech Deliver scalable solutions that reduce churn and increase Average Revenue Per User (ARPU). Learn more Digital Wallet Providers Increase engagement with embedded credit solutions tailored for mobile-first economies. Learn more Explore our partnerships Speak to our experts Discover how Ezra’s digital... --- - Published: 2025-02-19 - Modified: 2025-04-22 - URL: https://ezra.world/products/ Revolutionising financial inclusion with seamless credit solutions We provide seamless, ready-to-launch credit solutions that open financial opportunities for the unbanked, offering customer segment-based liquidity access. By leveraging alternative data, we build profitable portfolios with higher eligibility pools and lower non-performing loans, ensuring sustainable growth and profitability. Ezra’s credit solutions Cash Loans Instant liquidity, when it matters. Empower customers with flexible micro-loans, helping them cover daily expenses and unexpected costs. Instant approvals — Real-time alternative data powers fast credit decisions Seamless integration — Proprietary algorithms drive high repayment rates Low-risk lending — Our proprietary algorithm ensures high repayment rates Overdraft Uninterrupted financial access. Enable businesses to offer seamless overdraft protection, keeping customers covered when funds run low. Flexible credit limits — Tailored to customer spending behaviour Auto-repayment — Deducts seamlessly from the next deposit or top-up Built-in risk management — Minimises exposure while expanding financial access Line of Credit Flexible funding, anytime. Enable businesses to offer pre-approved credit lines, giving customers ongoing access to funds within set limits. On demand credit — No need to reapply for every transaction Transparent costs — Clear fees and structured repayments Built for financial resilience — Supports customers with irregular income Buy Now, Pay Later (BNPL) Flexible payments, bigger opportunities. Enable institutions to offer BNPL solutions, making purchases more affordable while driving sales. Instant approvals — Seamless checkout integration Zero upfront cost — Flexible repayment plans Increased spending power — Drives larger and more frequent transactions Airtime Lending Stay connected, always. Power instant airtime and... --- - Published: 2025-02-19 - Modified: 2025-03-05 - URL: https://ezra.world/company/ About Ezra Equal access. Endless possibilities. Ezra is a market-leading fintech infrastructure provider, dedicated to empowering local communities with seamless, data-driven financial solutions. Through cutting-edge technology and strategic partnerships, we are building a more inclusive and accessible financial future. Our vision Ezra envisions a world where individuals and businesses — regardless of location or background — can fully participate in the economy. By 2030, our goal is to impact over 1 billion lives annually, ensuring equal access fuels economic empowerment and sustainable growth. Our mission Ezra is on a mission to break down barriers and provide financial access to underserved communities. Our advanced credit infrastructure and proprietary data algorithms empower individuals and businesses with fair, responsible, and scalable lending solutions — driven by cutting-edge technology and deep market expertise. At Ezra, we believe in equal access because when people have true access, they become the architects of their own future. Our history Founded in 2010, Ezra began with a belief that access changes everything. What started as a vision for financial inclusion has evolved into a movement for equal access to financial services, opportunities and economic growth. Built by fintech pioneers behind TransferTo, Thunes, and DT One, Ezra has grown into a trusted partner for banks, mobile network operators (MNOs) and fintech across Asia, Africa, and beyond. By developing proprietary technology and leveraging alternative data, we’ve transformed financial access in emerging markets — enabling airtime lending for individuals and nano-loans for small businesses. We’ve already impacted millions of lives, and... --- > At Ezra, we make credit accessible to underserved markets through technology, helping communities grow sustainably. - Published: 2023-02-07 - Modified: 2025-04-22 - URL: https://ezra.world/ Equal access. Endless possibilities. At Ezra, we make credit accessible to underserved markets, helping communities grow sustainably. Using smart data and technology, we provide financial tools that open new opportunities. Check our capabilities Countries 0 Customers impacted annually 0 M+ of loans given to women 0 % Loans processed annually $ 0 M+ Why work with Ezra Off-the-Shelf Solutions We launch flexible and easy-to-integrate credit products in just 12 weeks. Our pre-built solutions help partners go to market quickly while delivering quality and efficiency. Proven Deep Expertise We leverage our deep experience in credit solutions to help businesses expand into underserved markets and unlock new opportunities. Smart Insights with Advanced Technology We use proprietary credit scoring algorithms, alternative data, and robust machine learning models to responsibly serve underserved communities. Trusted Scale & Impact We stay fully compliant with regulatory frameworks, ensuring reliability in fast-changing markets. Ezra’s credit solutions Ezra’s credit solutions Cash Loans Help your customers with short-term financial support, boosting satisfaction and loyalty. Provide immediate solutions to their financial needs, fostering trust and deeper engagement. Learn more Overdraft Give customers emergency access to funds, increasing retention and positioning your business as a reliable financial partner. Learn more Line of Credit Offer ongoing financial support to customers, ensuring stability while driving long-term value for your business. Learn more Buy Now, Pay Later (BNPL) Enable flexible payments to support customer spending and business growth. Build trust and long-term satisfaction by making purchases more accessible. Learn more Airtime Lending Keep customers connected... --- --- ## Posts - Published: 2025-06-25 - Modified: 2025-06-26 - URL: https://ezra.world/insights/how-credit-solutions-are-fuelling-mobile-and-internet-access/ - Categories: Insights For millions across emerging markets, limited access to mobile and internet services is more than an inconvenience, it’s a systemic barrier to economic inclusion, education, and essential services. Bridging this digital divide requires more than infrastructure. It requires smart ways to unlock access, especially through credit solutions powered by alternative data and advanced machine learning. Rethinking financial access in a connected world   The digital divide reflects a stark reality: billions remain unconnected or under connected, particularly in low-income and remote communities. According to the World Bank, nearly half of the global population lacks internet access. In parallel, over 1. 7 billion people remain unbanked, many without the formal credit histories needed to access traditional financing. This exclusion doesn’t just limit connectivity. It restricts participation in the digital economy, stalls entrepreneurial ambitions, and cuts off access to digital education and healthcare. But by making credit more accessible, especially through models built on alternative data, financial institutions can unlock lasting socio-economic change. From data to credit: A smarter approach   Conventional credit scoring methods rely on data such as credit card usage or bank account activity – information often unavailable in underserved markets. Ezra takes a different approach. We tap into everyday data from mobile networks, utility payments, and digital behaviour to build real-time credit profiles that reflect actual affordability. Using transactional data from Mobile Network Operators (MNOs) and utility providers, our proprietary machine learning models assess both creditworthiness and risk dynamically. Our proprietary machine learning algorithms continuously adapt based on repayment performance,... --- - Published: 2025-05-21 - Modified: 2025-05-21 - URL: https://ezra.world/insights/solving-liquidity-challenges-in-emerging-markets/ - Categories: Insights Liquidity is the lifeblood of economic activity, particularly in emerging markets where its absence can stall growth and limit opportunity.   When individuals and businesses can access funds quickly, they’re better equipped to manage emergencies, invest in their future, and build long-term financial resilience. Yet for millions across emerging markets, liquidity remains out of reach. Traditional banking often comes with barriers - limited financial infrastructure, rigid requirements, and slow disbursements – that excludes the very people who need support the most. Embedded credit offers a powerful alternative. Integrating credit products directly into the digital platforms people already use – wallets, commerce apps, payment gateways, service portals – removes friction, expands reach, and turns access into action. It’s not just about lending – it’s about unlocking opportunity at the tap of a screen. Liquidity Challenges: Barriers to Economic Stability in Emerging Markets Liquidity gaps remain one of the most persistent barriers to growth in emerging economies. Traditional financial institutions often bypass large segments of the population, especially small businesses and low-income / informally employed individuals, due to high operational costs and perceived credit risk. The result? Inadequate access to short-term financing where it’s needed most. For local entrepreneurs - farmers, artisans, and merchants - limited access to working capital frequently disrupts operations. Delayed payments, seasonal income cycles, and unexpected shocks leave these economic engines exposed.   Take merchants, for example. Many operate on tight margins and rely on daily cash flow to replenish goods, pay suppliers, and remain viable. In the... --- - Published: 2025-03-20 - Modified: 2025-03-20 - URL: https://ezra.world/insights/journey-of-a-microloan-from-application-to-approval/ - Categories: Insights The Role of Microloans in Financial Inclusion Microloans play a crucial role in expanding financial access in emerging markets where millions remain excluded from traditional banking systems. Many small business owners, independent workers, and low-income individuals lack the necessary credit history or collateral to secure financing through conventional institutions.   Access to credit has been a significant barrier to economic mobility in emerging markets. Without it, individuals struggle to invest in their businesses, cover essential expenses, or respond to unexpected financial challenges. Fintech solutions have changed this landscape, making microloans more accessible, efficient, and sustainable.   With advancements in alternative credit scoring and data-driven risk assessment, companies like Ezra are redefining the value proposition of microloans and risk management, ensuring financial access for those previously overlooked.   The Traditional Challenges of Microloans For years, securing a microloan was a slow and complex process. Borrowers were often required to provide formal documentation, undergo lengthy approval procedures, and meet strict eligibility criteria. This approach disproportionately excluded those who lacked steady employment, owned informal businesses, or had no established credit history or banking relationships.   Financial institutions also viewed microloans as high-risk and low-margin, leading to:  Lengthy approval times discouraging borrowers who need immediate funds. High interest rates designed to offset the perceived risk. Limited availability with banks and lenders restricting microloans to a small pool of qualified applicants. For most financially underserved individuals, the process was unfulfilling, onerous and impractical. The lack of accessible credit meant many were forced to rely on... --- - Published: 2025-03-18 - Modified: 2025-03-18 - URL: https://ezra.world/insights/how-alternative-credit-scoring-models-are-unlocking-access-to-finance/ - Categories: Insights In today’s financial landscape, responsible access to credit can be a powerful enabler of economic mobility and wealth creation. Yet, millions of individuals and businesses remain excluded due to onerous processes and traditional credit scoring models that prioritise traditional credit history, formal employment, and banking relationships – factors that don’t reflect the realities of emerging markets, where informal economies and cash transactions prevail.   Alternative credit scoring models are reshaping financial access for the emerging mass market by leveraging non-traditional data like mobile phone usage, wallet transactional data, utility payments, and behavioural insights. These innovations break down barriers, creating a more inclusive financial ecosystem and stronger product value proposition for those long excluded. Rethinking Creditworthiness Traditional credit scoring systems have long been the gold standard for assessing borrowers' loan repayment ability. However, their reliance on a formal credit history excludes those without access to traditional financial systems. In emerging markets, this exclusion affects vast swathes of the population, leaving individuals and small businesses without the financial resources needed to thrive.   The limitations of traditional credit scoring create a feedback loop of financial exclusion. Without a formal credit history and/or banking relationship, individuals are denied access to credit, and without credit, they cannot build the credit history required to participate in the financial system. For many, the door to economic opportunity remains firmly shut.   Alternative credit scoring models offer a fresh perspective, going beyond traditional banking activity to assess both affordability or the ability to pay, and risk or... --- > Singapore-based TransferTo and Pan-African Ecobank group forge strategic partnership to expand financial access and cross-border payments across Africa - Published: 2024-11-13 - Modified: 2025-03-04 - URL: https://ezra.world/news/transferto-ecobank-group-expand-financial-access-and-cross-border-payments/ - Categories: News Thunes, Ezra, DT One and Ecobank collaboration to expand access to credit, digital products and cross-border payment solutions Lomé, Togo & Singapore, 13 November 2024 — TransferTo, a Singapore-based global technology group, and Ecobank Group, the leading Pan-African financial institution, announced a landmark Memorandum of Understanding (MOU), laying the groundwork to transform financial access and cross-border payment solutions across Africa. This strategic partnership brings together TransferTo’s companies — Thunes, Ezra, DT One and Tookitaki — with Ecobank to expand access to credit, digital products and cross-border payment solutions. The collaboration will create a safe, inclusive financial ecosystem that bridges markets, enabling swift reliable payments across borders and offering financial empowerment tools to millions of Africans and businesses. By uniting their expertise, TransferTo and Ecobank will drive financial inclusion, empower underserved communities, and establish secure, seamless digital pathways that connect Africa’s economies with the rest of the world. Peter De Caluwe, CEO, TransferTo: “Our partnership with Ecobank empowers us to unite the strengths of our companies — such as Thunes and DT One — and reshape financial access across Africa. By integrating our expertise with Ecobank’s deep local knowledge, we are crafting secure, straightforward pathways to credit, payments and financial growth for millions of people. This alliance is more than a partnership, it’s a mission to fuel positive change across the continent. ” Photo left to right: Sandra Yao, Group head of Fintech & Remittance, Ecobank Group; Jeremy Awori, CEO, Ecobank Group; Soh Leng Wan, Assistant Managing Director, Enterprise Singapore; Peter... --- > Airtime Credit Services (ACS) provides easy and convenient access to telecommunications services at any time, from anywhere, at the touch of a button - Published: 2024-02-05 - Modified: 2025-04-22 - URL: https://ezra.world/insights/an-introduction-to-airtime-credit-services-acs/ - Categories: Insights In our latest series, ‘An introduction to’, we’re lifting the lid on the products that are powering access to credit across emerging markets. Today, Airtime Credit Services (ACS). Help your customers to keep the conversation going — even with low to no balance. Airtime Credit Services (ACS) provides easy and convenient access to telecommunications services at any time, from anywhere, at the touch of a button. So, how does it work? And what sets Ezra’s ACS solutions apart? Read on to learn more. What is ACS? Traditionally, when a mobile network customer ran out of credit they were then unable to make calls, send texts, or use data services until they had topped up their allowance. For lower-income individuals or those with no fixed income, this could mean significant periods without access to telecommunication services. In fact, it’s estimated that the average prepaid user in emerging markets will experience a day with no balance every week. ACS allows the customers of a Mobile Network Operator to borrow airtime credit on their mobile phones when they run out of prepaid credit. The amount is then deducted from the user’s subsequent prepaid top-ups, within a specified period. They can then repay the outstanding balance at a later date. For many individuals and SMEs, access to ACS can be an essential tool to keep businesses moving and making calls when they matter the most. What types of businesses can integrate ACS? ACS can be utilised by Mobile Network Operators. What are the end... --- > Ezra helps individuals and SMEs in more than 24 countries access fast, simple, and responsible credit solutions. - Published: 2023-12-14 - Modified: 2025-03-04 - URL: https://ezra.world/insights/an-introduction-to-our-product-portfolio/ - Categories: Insights Explore our full range of products, how they work, and which solution is the right one for you and your customers. Today, Ezra helps individuals and small-to-medium-sized enterprises (SMEs) in more than 24 countries access fast, simple, and responsible credit solutions. From cash to merchant loans, we are on a mission to design, develop, and deliver products which improve financial inclusion throughout emerging markets (and there are even more products in the pipeline). How do Ezra’s products work? Our proprietary scoring engine leverages alternative data and machine learning, to give a wider range of individuals the opportunity to apply for a loan — whether or not they have a credit history. This means that we can accurately profile millions of people each month, many of whom may have been previously financially underserved. In 2022 alone, we were able to process two billion loan applications in emerging markets across the world. Bespoke vs. Off-the-shelf When it comes to designing our products, we provide our partners with two approaches: Bespoke: We work closely with each of our partners to develop a thorough understanding of their unique needs. This allows us to create products which optimise customer activity and eligibility. Off-the-shelf: Ready-made products, with no compromise on quality. Our off-the-shelf solutions are ready to launch in as little as 12 weeks. Read on to learn more about our suite of lending solutions: Cash loans What is a cash loan? A cash loan allows an individual to borrow money from a lender and receive... --- > Cash loans or nano loans are a type of short-term lending option designed to provide quick access to funds for individuals and SMEs - Published: 2023-11-28 - Modified: 2025-03-04 - URL: https://ezra.world/insights/an-introduction-to-cash-loans/ - Categories: Insights In our latest series, ‘An introduction to’, we’re lifting the lid on the products that are powering access to credit across emerging markets. Today, cash loans. If you have yet to integrate lending products into your suite, cash loans are an ideal first step. But what do they do? How can they empower your customers, whilst also benefiting your business? And what value-added benefits can Ezra’s Cash Loans solution provide? Read on to learn more. What is a cash loan? Cash loans — or nano loans — are a type of short-term lending option designed to provide quick access to funds for individuals and small businesses (SMEs). They can then pay back the borrowed amount, most often with interest, over a specified period. Cash loans are typically unsecured, and intended for small-medium borrowing amounts. What types of businesses can integrate Cash Loans? Financial Institutions and Mobile Wallet Operators. What are the end benefits of a cash loan to the provider? Drive acquisition and retention: Cash loans can be designed with short tenures, to better align with the income cycles of your customers, for greater convenience. Future-focused: Because cash loans are an ideal first step, they also help to lay the foundations for expansion into further lending products. Increase liquidity with future-focused solutions: Cash Loans enable you to benefit from more direct and indirect revenue streams, such as transaction fees. What are the benefits of a cash loan to the end user? Greater financial inclusion: Cash loans are the ideal introductory... --- > Ezra is a leading microlending fintech which provides B2B credit solutions for financial institutions and service providers, primarily in emerging markets - Published: 2023-10-12 - Modified: 2025-03-04 - URL: https://ezra.world/insights/ezra-innovative-credit-solutions-for-a-more-inclusive-world/ - Categories: Insights You may have come across Ezra before — and you may even have seen our products in action, without realising it. But what is Ezra? How do our products work? And why? Read on to find out more. 24 countries 10 million+ transactions processed daily 40 million+ monthly active users 120 million+ customers scored monthly $1. 6 billion+ worth of loans processed Who we are Ezra is a leading microlending fintech which provides B2B credit solutions for financial institutions and service providers, primarily in emerging markets. It was founded in 2011, with one core purpose: to deliver lending products which improve financial inclusion and access to economic opportunity for all. It is part of TransferTo, a group of fintech companies which — along with sister brands DTOne and Thunes — share Ezra’s core commitment to transformation through innovation. What we do Ezra designs, develops, and delivers tailored, end-to-end lending products. We partner with Banks and Neo Banks, Mobile Money Operators, and Telecommunications and Utility Providers, to deliver fast and effective embedded lending solutions. From initial scope to post-launch and ongoing aftercare, we support our partners at every stage of the product lifecycle. Our solutions are white-label and can be built to be fully bespoke, to seamlessly integrate with our partners’ existing digital platforms. Why we do it Research from the World Bank shows that, by 2021, 71% of adults in developing economies had achieved account ownership (via a regulated institution such as a bank or mobile money account). However, for... --- > There is no pan-African regulatory body. Instead, each country is subject to its own set of financial regulations, usually governed by its central bank. Read to learn more! - Published: 2023-09-19 - Modified: 2025-03-04 - URL: https://ezra.world/insights/financial-regulation-in-africa-challenges-and-solutions/ - Categories: Insights In any economy, a strong regulatory framework is essential for financial protection, inclusion, and growth. But across a continent as diverse and complex as Africa, where many individuals remain financially underserved and underbanked, what role does financial regulation play — especially when it comes to digital credit lending? And what can be done to improve it? Financial regulation in Africa today As it stands, there is no pan-African regulatory body in place — instead, each country is subject to its own set of financial regulations, most of which are governed by each nation’s central bank. And, across the continent, each jurisdiction varies greatly — not just in terms of legislation, but also in terms of ability, and openness willingness, to adapt to the shifting global financial landscape. In recent decades there has been a real drive to improve the efficacy and reach of these frameworks across the continent, due in part to the global growth of fintech. However, this also means that there is a degree of disconnect, particularly when it comes to lending. Although the majority of central banks in Africa are willing to approve lending products, each has its own individual concerns and approach, making the process complicated and difficult to navigate Whereas some markets, such as Zambia and Ghana, are more open to testing new products and models, others are less open to innovation. Equally, some markets are more sensitive to interest rates, whereas others primarily focus on consumer and data protection. It ultimately comes down to... --- > Across the world, Mobile Money Operators and their customers are benefiting from Ezra’s easy, rapid, and robust lending solutions. - Published: 2023-09-01 - Modified: 2025-03-04 - URL: https://ezra.world/insights/ezra-and-mobile-money-operators/ - Categories: Insights Across the world, Mobile Money Operators and their customers are benefiting from Ezra’s easy, rapid, and robust lending solutions. Read on to learn more about what makes Ezra’s approach unique, and how our fully customisable products can help your brand to grow, and provide access to credit for more customers than ever before. What is Ezra? We’re a micro-lending fintech which is on a mission to contribute to financial inclusion in emerging and developing economies. Our products are designed to help those who have traditionally been financially underserved or excluded to securely and responsibly access a range of credit solutions, regardless of whether or not they have a credit history. What makes Ezra different? We leverage alternative data to build out a thorough understanding of your customers, and we also work closely with each of our partners to develop a thorough understanding of their unique needs. This allows us to design and deliver bespoke credit products which optimise customer activity and eligibility — so that you can easily and rapidly grow customer loyalty, and also expand your reach. We’re a people-first fintech, with our partners — and their consumers — at the heart. No matter the product, we manage the risk, process, and complexities. And, from product creation to launch campaign and post-launch support, we’re with you every step of the way. All this, ready to launch in as little as 12 weeks. Our products for Mobile Money Operators: Nano Loans: Instant, flexible, and convenient lending, tailored to each customer... --- > At Ezra, our goal is to improve financial inclusion for all. Meet the people behind our brand, who are making this possible. - Published: 2023-08-17 - Modified: 2025-03-04 - URL: https://ezra.world/news/ezra-team-profile-peter-mugendi-senior-software-engineer/ - Categories: News At Ezra, our goal is to improve financial inclusion for all. Meet the people behind our brand, who are making this possible. Peter Mugendi is our Senior Software Engineer. He talks teamwork, key learnings, and work with a positive global impact. What does your role involve? I’m a Senior Software Engineer with User Interface (UI) and User Experience (UX) design skills. This means I design and develop software applications that are technically sound. I also provide technical guidance and mentorship to other members of the team, helping them improve their skills and knowledge in both software development and UI/UX design. I also collaborate closely with other departments, such as Product Management and Quality Assurance, to ensure that our software meets both technical and design requirements. How is Ezra making a difference in emerging markets? At Ezra, we’re dedicated to making a difference in emerging markets. By empowering individuals and small businesses with accessible financing, we can drive economic growth and build a more equitable world. What has been your most notable experience or learning whilst working at Ezra? One of my most notable experiences was when I had the opportunity to lead the Research and Development team to deliver a critical project. It was a challenging project that required collaboration across multiple departments and stakeholders, but I learned a lot from the experience. I discovered that effective communication and collaboration are essential to successful project delivery, and that everyone has a unique perspective to bring to the table. By working... --- > Alternative data has the potential to propel global financial inclusion even further forward. But what is it? How does it work? - Published: 2023-08-15 - Modified: 2025-03-04 - URL: https://ezra.world/insights/alternative-data-a-new-era-for-credit-lending/ - Categories: Insights Alternative data has the potential to propel global financial inclusion even further forward. But what is it? How does it work? And what does it mean for the future of credit access in emerging and developing markets? Alternative vs. traditional data Alternative data is changing the face of lending across the world. It is opening up new financial opportunities for service providers, and their end users. From obtaining nano loans to device financing, the rise of alternative data means that more people than ever before could have secure and responsible access to credit solutions. But how do we define alternative data? And what makes it different from traditional data? Essentially, alternative data is information that is collected from non-traditional sources. This could include rent, telco, and utility payments, or Know Your Customer (KYC) and mobile wallet data. As with traditional data, it is leveraged to help build out a profile of the prospective loan applicant, get a good idea of their financial reliability, and therefore optimise the accuracy of the decision-making process. In contrast, traditional data is obtained from the credit bureau, which has a rich depth of credit history, such as previous loan repayments, credit enquiries and/or applications. Although this remains the most common way to assess creditworthiness — particularly in economically advanced markets — its use can be a significant roadblock to credit for those without an existing credit history, or the means of building one. And, without access to regulated credit lending services, millions of individuals across... --- > With the predicted global downturn set to widen economic imbalance, now more than ever people need easy, rapid, and responsible access to finance - Published: 2023-08-13 - Modified: 2025-03-04 - URL: https://ezra.world/insights/leveling-up-the-global-economy-why-credit-lending-matters-for-financial-inclusion/ - Categories: Insights We all require access to affordable, useful financial products and services. This, in essence, is the core purpose of financial inclusion — to ensure that access to financial services is not a barrier to economic development. However, despite services such as mobile money driving an increase in global account ownership, millions of people still lack access to essential financial services. With the predicted global downturn set to widen economic imbalance, now more than ever there is a real need to deliver solutions which ensure that everyone, everywhere, has easy, rapid, and responsible access to finance. And this is where credit lenders have a pivotal role to play. When it comes to credit solutions, it pays to think about the bigger picture. From microloans to mortgages, the smallest investment can lead to the biggest returns — especially for economically disadvantaged people across the world, and particularly for those in emerging and developing markets. We have identified three of the most important ways in which credit lenders can help to power economies from the ground up, and how they can improve financial inclusion for all. Better access to education Education is a cornerstone of progress. It is the backbone of a strong economy, and a fundamental human right. However, it is estimated that approximately 258 million children globally do not currently have the opportunity to complete formal education. This is driven by several factors, such as poor or limited access to free schooling, and children prematurely joining the workforce in order to... --- > At Ezra, our goal is to improve financial inclusion for all. Meet the people behind our brand, who are making this possible. - Published: 2023-08-12 - Modified: 2025-03-04 - URL: https://ezra.world/news/meet-the-team-dinko-svetic/ - Categories: News At Ezra, our goal is to improve financial inclusion for all. Meet the people behind our brand, who are making this possible. Dinko Svetic is our VP Growth (Anglophone Africa). He talks products, people, and what makes Ezra unique. What does your role involve? In simple terms, it’s a blend of business development, account management, and strategic partnerships. The team and I search for new partnership opportunities by pitching our solutions to a targeted set of potential partners (including telcos, wallets and banks), where we believe and know certain pain points exist that Ezra can solve. We also manage and nurture existing accounts and partnerships, to deliver growth. How is Ezra making a difference in emerging markets? Ezra has a rich portfolio of products, and a brilliant product team that will look at exactly what a specific market needs. This enables Ezra to add value in almost any setting, for all stakeholders. This is what makes us unique. What has been your most notable experience whilst working at Ezra? The daily experience of managing a team is an invaluable experience. I’m proud of how they can work together and independently, whether I’m there or not. What do you enjoy most about working at Ezra? The people within our company. We have built a team that came from pretty much all verticals of businesses that we would normally work with, to enable the financial services that we build. That, plus their fun personalities, is what makes the whole experience a great... --- - Published: 2023-08-11 - Modified: 2025-02-27 - URL: https://ezra.world/insights/economic-downturns-the-importance-of-credit-and-how-ezra-can-help/ - Categories: Insights As the threat of global recession lingers on the horizon, what role can lending providers play in easing economic pain — and even turning the tide — particularly in developing markets? Read on to learn how Ezra’s approach to credit solutions is helping financial service providers and their consumers during these challenging times. Economic downturn: An overview In late 2022, the Organisation for Economic Co-operation and Development (OECD) projected that economic growth will slide from 3. 1% to 2. 2% this year. If this materialises, 2023 will see one of the greatest downturns — and weakest years — for the global economy since 2001. What an economic downturn means for emerging and developing markets For emerging and developing markets, the consequences of an economic downturn can be even more significant. Erwan Gelebart, CEO of Ezra, says: “When the world’s bigger economies try to minimise the impact of a downturn or recession, it often comes at the expense of investment in emerging and developing markets. This, combined with the fact that many developing economies already face greater economic hardship, accelerates the imbalance in the global economy, and hits the financially underserved and excluded the hardest. ” According to a recent report from the World Bank, in Sub-Saharan Africa, growth in per capita income for the next two years is forecasted to average just 1. 2%, a rate that could cause poverty rates to rise. And factors such as extreme inflation in food prices will further affect livelihoods across Africa, which already... --- > The appointment is a key milestone in Ezra’s ambitious expansion plan to support the financially underserved in emerging economies. - Published: 2023-08-09 - Modified: 2025-03-04 - URL: https://ezra.world/news/ezra-announces-the-appointment-of-its-chief-risk-officer/ - Categories: News The appointment is a key milestone in Ezra’s ambitious expansion plan to support the financially underserved in emerging economies. Ezra, the microlending fintech which provides ‘easy and rapid’ credit solutions across Africa and emerging markets, has announced the appointment of Andrew Goodrich as its Chief Risk Officer. This appointment is a key milestone in Ezra’s ambitious expansion strategy to support the financially underserved in emerging economies. Bringing with him more than 30 years’ experience to the role, Andrew will oversee the data engineering, predictive analytics, and credit risk/fraud functions at Ezra, progressing, ensuring business optimisation is achieved through enhanced standardisation and credit risk management governance. In addition, he will be tasked with streamlining efficiencies within these functions across the many markets that Ezra operates. Andrew, who has spent much of his life in South Africa, will be based out of Ezra’s Dubai office. Prior to joining Ezra, Andrew held the position of BankTech Executive at MTN Group, Africa’s largest mobile network operator. During his tenure, Andrew was accountable for defining, establishing and driving the BankTech strategy, a new credit product unicorn vertical within MTN Group. Andrew has also worked as Credit Risk Director with JUMO, where he established the credit risk, prediction and fraud analytics structure, focused on standardisation, and drove enhanced prediction and credit risk value to the internal and external stakeholders. Some of Andrew’s other career highlights involve working for a number of start-ups. These include a niche credit risk solutions consultancy, which was successful in assisting several... --- > In this article we explore the continued rise of mobile money in Africa, and examine its impact on the region - Published: 2023-08-06 - Modified: 2025-03-17 - URL: https://ezra.world/insights/how-to-make-africas-mobile-money-boom-work-for-your-business/ - Categories: Insights In many emerging markets, mobile money has become the most popular method for conducting financial transactions. Africa leads this trend, with mobile money playing a significant role in shaping economies across the continent. In this article we explore the continued rise of mobile money in Africa, and examine its impact on the region — as well as what the future may hold for this sector. What is mobile money? Mobile money as a digital payment system allows consumers and merchants to complete transfers with their phones and make payments for goods and services. This allows those without access to the formal banking system to send and receive money in a safer, more secure way. Through widespread technologies like USSD, the need to visit bank branches or interact with agents has been removed. Mobile money is now also accessible through Android and iOS apps, however, adoption of those channels largely depends on smartphone adoption in markets where mobile money is on the rise. Since it first launched back in 2007, mobile money has transformed financial services across emerging markets. According to the 2022 report by the Global System for Mobile Communications Association (GSMA), there are currently 1. 35 billion registered mobile money accounts, processing $1 trillion in transactions annually. This equates to almost $2 million per minute of transactions. Where is mobile money most popular? Sub-Saharan Africa dominates the mobile money market. In 2021, it was responsible for 70% of all mobile money transactions processed globally. And by the end of... --- > Apis Partners LLP, a UK-based asset manager that supports growth-stage financial services and financial infrastructure businesses, has announced its investment in Ezra. - Published: 2023-08-04 - Modified: 2025-03-04 - URL: https://ezra.world/news/apis-growth-fund-ii-announces-investment-in-ezra-a-leading-microlending-fintech/ - Categories: News Apis Growth Fund II (the “Fund”), a private equity fund managed by Apis Partners LLP (“Apis Partners”), a UK-based asset manager that supports growth-stage financial services and financial infrastructure businesses, has announced its investment in Ezra. Ezra partners with leading financial institutions and platforms — such as mobile wallets, mobile networks, utilities and e-commerce companies – to offer a wide range of customized lending products including cash loans, token advances, airtime credits and device financing to their clients, all based on a single integration. These partnerships empower tens of millions of consumers and entrepreneurs in financially underserved markets through innovative credit solutions, allowing them to instantly borrow from a few cents to a few hundred dollars. Ezra has built strategic partnerships in more than 20 countries in Africa by using its state-of-the art predictive analytics and technology which offer rapid integration and high performance. It serves 40m+ unique users monthly and processes 2 billion+ of micro-loans annually. Partners get access to a world-class fully managed solution: product design, advanced risk scoring, loan management and a customer value management platform, allowing them to reach scale and profitability in no time. As a result of this new investment, Ezra plans to accelerate its geographical expansion, growth and talent acquisition. It will focus on targeted new segments, particularly SMEs, which are the backbone of emerging markets’ economies and are still financially underserved. The Fund invested in Ezra based on its exceptional potential for wallet share expansion and the clear opportunity to increase disbursements... --- > Our mission is to help our partners improve financial inclusion in markets where people have traditionally been excluded - Published: 2023-08-03 - Modified: 2025-03-04 - URL: https://ezra.world/insights/ezra-supporting-partners-to-increase-financial-inclusion-across-the-world/ - Categories: Insights For too long, financial credit services have been inaccessible and overcomplicated, especially for people living in underbanked and financially underserved countries. Ezra has created a solution that provides businesses across the world with the ability to offer their customers simple, easy and rapid access to loans as well as other solutions, such as working capital for SMEs. At Ezra, our mission is to help our partners improve financial inclusion in markets where people have traditionally been excluded. We provide our clients with a range of credit solutions with one simple and easy integration with their platforms. While our brand is new, it is built upon 12 years of success. It was born from a group of companies that are already leading the way in the Fintech world, including DT One and Thunes. Ezra has curated the perfect team of financial and technical experts who are ready to deliver our global mission. What do we offer? We offer a unique, fully managed integration which provides our partners with a suite of credit products that can be adapted to the individual needs of each business. From token (airtime, electricity) advance services; to instant cash loans services; to consumers or SMEs, we provide a wide scope of credit solutions so that end users can take charge of their personal finances and feel supported and empowered by our partners. As a result, Ezra boasts 35 million monthly active users across 20 countries, and last year we granted more than $1. 6 billion worth of... --- > Like fintech itself, AI is the smart solution to the complex problems which affect end users across the world. - Published: 2023-08-03 - Modified: 2025-03-04 - URL: https://ezra.world/insights/the-importance-of-ai-and-machine-learning-in-credit-lending/ - Categories: Insights From facial recognition to fraud detection, artificial intelligence (AI) is enabling service providers and institutions across the world to speed up complex processes, mitigate risk, and transform how we live, work, and manage our money. Like fintech itself, AI is the smart solution to the complex problems which affect end users across the world. AI in fintech is an industry which has already witnessed huge investment, and even bigger growth. In 2021, AI in fintech was valued at approximately $8 billion globally — and it is estimated that by 2031, it will be worth approximately $61 billion. But what does this mean for lending solutions? How are credit lenders harnessing the power of AI and machine learning to drive accurate, efficient, and inclusive lending? And what does the immediate future hold for service providers, and their end users — particularly those in emerging markets? The rise of machine learning A key avenue of growth for AI in fintech will be the continued evolution of machine learning, which is a subset of AI. However, whereas AI leverages computer science to simulate human intelligence and decision-making, machine learning allows machines to learn and adapt from data sets without explicit instructions. Over time, as new data is provided, machine learning continues to increase the accuracy of its algorithms. So, when it comes to lending solutions, machine learning has an important role to play. It can transform how credit and financial service providers process, analyse, and implement data, to drive better long-term decision-making. Its... --- > In this article, we explore how Ezra is empowering its partners to provide financial freedom to more people, in more places. - Published: 2023-08-02 - Modified: 2025-03-04 - URL: https://ezra.world/insights/financial-inclusion-how-credit-scoring-can-help-level-the-playing-field/ - Categories: Insights Digital technology is powering a more interconnected world. However, lack of access to credit solutions remains a pressing issue for many, particularly those in financially underserved and excluded regions. But what can be done to address this imbalance? In this article, we explore how Ezra is empowering its partners to provide financial freedom to more people, in more places. What is financial inclusion? Financial inclusion is rooted in equal opportunity. The World Bank defines financial inclusion asthe guarantee that individuals and businesses have access to useful and affordable financial products that meet their needs. And many around the world still lack adequate access to services such as credit and savings, making it difficult to participate in the wider economy. Fortunately, as our world becomes increasingly digital, more innovative ways to include people in the financial ecosystem are changing the way we frame financial inclusion. And this is where technology-driven solutions — such as Ezra’s embedded credit solutions — can really make a difference. Why does it matter? Statistics suggest that even today, almost one in two people in Africa live in poverty, and only seven African countries have a monthly minimum wage equal to or more than $200. This makes essential items, such as mobile phones, incredibly difficult to purchase outright for many. Without access to responsible credit facilities such as instant cash loans and device financing, those living in poorer communities often find it difficult to pull themselves out of the low income bracket or are forced to use... --- > Read on to learn five reasons why Ezra is the best embedded lending platform on the market today - Published: 2023-08-01 - Modified: 2025-03-04 - URL: https://ezra.world/insights/five-reasons-why-ezra-is-your-credit-solution-gamechanger/ - Categories: Insights In the current economic climate, selecting the right credit solution partner is especially important. The potential financial uncertainties and challenges that lie ahead require a strategic partnership that may cushion — or even stem — the impact of any economic downturns, or other adverse financial consequences. So, how can you be sure that you’re investing in the right credit solutions for your business? Read on to learn five reasons why Ezra is the best embedded lending platform on the market today. What is Ezra? We are a credit solutions provider, on a mission to improve financial inclusion for all. We do this by providing easy and rapid embedded lending solutions for our partners, particularly those who operate in emerging markets. From banks to e-commerce platforms, and from utility companies to mobile network operators, through our partners we grant financially underserved and excluded consumers around the world access to a range of credit solutions. Why are we different? 1. We understand your customers Our system cannot be found anywhere else — and it was built with your customers in mind. Unlike our competitors, who operate pre-built credit scoring engines, we have invested time and expertise to develop a bespoke, fine-tuned system which better meets the needs of our global partners. Our unique algorithm accurately profiles millions of consumers without a credit history and predicts their behaviour more effectively than ever before. We can therefore deliver instant loan decisions to millions of new, previously underserved customers, at little to no risk. Furthermore,... --- ---