Solutions · Digital Lenders
Ustawi for digital lenders.
- Applications today
- 312 · avg decision 3.4 min
- Repayments
- Mobile money collection
- AML/PEP screening
- In the origination workflow
Why Ustawi fits a digital lender
- A lean approval ladder for small amounts, gated by product bands
- Mobile money repayment collection
- AML/PEP screening built into the same origination workflow
- DPD-driven collections that scale without a branch network
- BOT-aligned reporting generated live from the ledger
Fast for the borrower, controlled for the lender
The borrower deals with a phone; the operations team works every case from one queue.
One small loan, one flow
Screening, approval, mobile money repayment and follow-up are steps in the same flow — not separate systems bolted on afterward.
Tap a stage to stop on it. Hover pauses the animation.
Try it yourself
Move the amount and the screening result: clean small loans need one tier, larger ones climb the ladder, and an alert stops the loan until it is adjudicated.
Set your own product bands
An alert is adjudicated before the loan moves on. Products, tiers and amount bands are configured per institution.
Apps digital lenders typically enable
Applications, the branch→committee→board approval ladder, disbursement, repayment scheduling, restructuring, and write-offs.
Sanctions/PEP screening, STR filing, goAML export, alert resolution, and tipping-off controls.
EFD/VFD fiscal receipts, mobile money, webhooks, and a connector hub.
DPD-driven dunning ladder, promise-to-pay capture, action-ladder config, and sync-exception recovery.
PAR aging, BOT 5-band classification, provisioning, portfolio disaggregation, and the filings framework.
Compliance without the overhead
Compliance is usually framed as the thing that slows disbursement down. Ustawi's approach is to make it a step in the same flow rather than a separate gate: AML/PEP screening runs as the application is processed, an alert is adjudicated before it becomes a filing, and the STR reporting clock is tracked automatically. The lender moves fast on the clean cases and only slows down where the rules genuinely require it.
From payment exports to one loan record
Drag the slider: the same loan, pieced together from exports versus kept in Ustawi.
| #8841 | 48,000 | paid | ok |
| #8790 | 120,000 | which ref? | late? |
| #8712 | 260,000 | — | ask collections |
| unmatched | #REF! | no ref | ? |
Related solutions
Because you need BOT-aligned reporting and a full loan lifecycle out of the box.
Because member savings, group governance, and regulatory reporting live in one system.
Because GL, provisioning, and prudential reporting need bank-grade rigor.
See fast, compliant disbursement in action.
Book a tailored walk-through and we'll show you the workflow end to end.
Frequently asked questions
Yes, it's gated by configurable product amount bands.