Open A3.MFO

Short-term loans and instalments online

An application arrives from the website or an app, the decision is automated, and money reaches the card within minutes.

Online microfinance

What is included

  • Rule and model based scoring, manual review only on borderline applications
  • Bureau and state registry checks before the decision
  • Disbursement to a card, by instant payment or to a wallet
  • Autopay and reminders before delinquency starts

Result

An application reaches disbursement without operator involvement, while borderline cases arrive at manual review with the evidence already collected.

Modules in this scenario

Applications and pipeline

One application pipeline across every channel with configurable check steps.

Scoring and explainability

Five scoring engines and a mandatory explanation for every automated decision.

Money in and out

Eleven acquirers in five countries, autopay and reconciliation of every operation.

Borrower cabinet

Applications, payments, documents, complaints and early repayment on the borrower side.

How implementation runs

The order is the same for every scenario. Only the scope of the second and third steps differs.

  1. 01

    Process walkthrough

    We review products, mandatory checks, disbursement channels and existing integrations.

  2. 02

    Environment setup

    Organization, data region, reference data, products, roles and document templates.

  3. 03

    Provider connection

    Bureaus, compliance, acquiring, messaging and accounting under your own contracts and keys.

  4. 04

    Pilot operation

    Part of the flow runs through the platform, results are reconciled, then the rest is migrated.

All scenarios

Your scenario is different?

It almost always is. Tell us about your products and mandatory checks, and we will work out what configuration covers and what needs development.

Request a demoPricing