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AdmireTech designed and deployed an AI-powered BNPL and device financing platform — enabling instant credit decisions, automated collections, and fraud prevention for millions of underserved Nigerians.
The Challenge
A fast-growing Nigerian BNPL provider offering smartphone and device financing to low-income consumers was hitting a ceiling. Manual credit checks delayed sales, rudimentary scoring missed both good borrowers and bad actors, and collections relied on costly call-centre operations with no intelligent prioritisation.
What We Built
Real-time ML model ingesting telco data, device metadata, BVN history, and repayment behaviour to approve or decline in under 60 seconds — even for first-time borrowers with no formal credit history.
End-to-end digital workflow from retailer tablet to disbursement. KYC verification, e-signature, and device-lock activation happen in a single session — zero paper, zero branch visits.
Behavioural biometrics, device fingerprinting, and graph-based anomaly detection flag synthetic IDs, collusion rings, and repeat defaulters before funds are released.
ML-prioritised outreach via SMS, WhatsApp, and USSD with dynamic payment plans. Remote device-lock escalation for non-responsive accounts. Recovery rates up 35%.
Live dashboards tracking PAR, vintage curves, channel performance, and cohort analysis. Auto-alerts for risk threshold breaches give management real-time visibility.
Outcomes
Credit decisions at point of sale — from 48 hours to under one minute
Default rate reduced through behavioural scoring and early-warning models
Synthetic identity fraud caught before disbursement with ML detection
Collections recovery improved through smart prioritisation and automation
Growth Engine
Beyond lending operations, AdmireTech built an integrated marketing intelligence layer that turns customer data into acquisition and retention fuel.
ML models identify high-conversion prospects from telco and retail data, focusing marketing spend where it matters.
Personalised SMS and WhatsApp campaigns triggered by repayment milestones, upgrade eligibility, and seasonal demand.
Dynamic referral incentives and loyalty tiers driven by customer lifetime value predictions, boosting organic growth.
Implementation
Core scoring engine, loan origination, and device-lock integration deployed with pilot retail partners.
Fraud detection, smart collections, and portfolio dashboards live. Model retraining on production data.
Marketing AI, referral system, and national retail rollout. Continuous A/B testing on scoring and campaigns.
Compliance & Responsible AI
AdmireTech builds intelligent, responsible lending infrastructure that grows with your business — from pilot to millions of customers.