Mobile Money Plus



Mobile Money Plus is an innovative solution from our principals Experian MA that enables the distribution and servicing of high-demand financial services, such as insurance, savings and loans products, via a managed network of agents as a seamless extension of the traditional mobile money platform.

One of the particular assets of the system is the ability to calculate credit risk for each individual mobile money user, and offer pre approved instant loans. This is simply done by using internal MNO data, combining mobile and mobile money usage.

A MOBILE MONEY PLUS solution delivers advanced credit risk management capabilities that are critical to extending loan products profitably to the target client base with little or no credit history.

Flexibility in the definition of new loan products and associated credit risk management strategies, together with the ability to quickly incorporate new data sources for credit risk evaluation, are required to rapidly and profitably extend the loan product to the majority of active mobile money users.

MOBILE MONEY PLUS offers a complete origination workflow management and decisioning system for the evaluation of loan products, but also supports the origination of savings and insurance products through a fast track process and ensures that KYC checks are performed to the appropriate level of rigor but in a very cost effective manner.

Scoring models and credit risk management strategies are implemented within our highly flexible Strategy Manager environment.