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IT MADE INTELLIGENT | BBBEE LEVEL 1
IntroFin functions as a business-to-business-to-consumer financial technology platform that collaborates with banks, mobile network operators (MNOs), and wallet providers to extend finance to individuals and small businesses in emerging markets via mobile devices. This is accomplished through the application of AI to construct precise customer profiles and develop customized financial products targeted across South Africa.
IntroFin bridges the gap with mobile-first nano loans:
INTROFIN
Loan Management System
Risk Management
Credit Scoring
Data Platform
User Journey
Over 11 million adults have no or thin credit files.
Approximately 800,000+ informal SMEs operate with no formal financing.
More than 800,000 stokvels manage upwards of R70 billion annually.
90%+ mobile phone penetration provides a gateway to behavioural data.
These underserved populations are excluded due to a lack of formal credit history. By transforming mobile usage, community savings behaviour, airtime purchases, and informal trade data into predictive credit insights, we bridge the trust and data gap between lenders and borrowers.
AI-driven, behaviour-based credit models using mobile, payment, and retail data.
Group-based scoring for savings groups and stokvels, enabling collective lending products.
API tools for banks, fintechs, telcos, and retailers to integrate and automate credit decisions.
Scorecards for traders, spaza shops, and micro-enterprises using cash flow proxies.
Plug-and-play scoring engines for telcos, mobile money operators, and retailers.
IntroFin delivers a range of innovative credit lending technologies designed to reach the mainstream market, reaching all segments. These tech-driven solutions encompass Cash Loans, Overdraft Facilities (ODF), Buy Now Pay Later (BNPL), and Airtime Credit Services (ACS).
All solutions are engineered and operated via our proprietary IntroFinManagement App (IMA), a robust platform optimized for rapid deployment, featuring agile development to produce a high-quality Minimum Viable Product (MVP) that aligns with user needs and monetization strategies. Built with efficiency, scalability, and modular architecture in mind, the system supports seamless integrations and custom adaptations to handle unique technical requirements and edge cases.
These technologies are deployed across diverse user segments—namely Consumers, Agents, and Merchants—leveraging data analytics and API-driven connectivity to ensure targeted functionality and market adaptability.
Future product development: To enhance and complement the ecosystem:
Savings Product
Main difference between OD and LoC – With OD, the funds must first be deposited in the wallet before the credited funds can be utilized. LoC – Customer can decide whether to make use of the wallet or credit funds
Consumer
Instalment loans work on the same rails but can be sub-divided into two main product offerings: 1. Telco BNPL 2. Installment loans: Use case e.g. E-comm check-out systems, and reporting dashboards
Partner with IntroFin to bring innovative lending solutions to underserved markets