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:

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.

Speak to our experts

Discover how Ezra’s digital credit solutions can fuel your business.