Access to affordable formal credit is a significant challenge for last mile users, who often don’t have a long history of data points to inform credit decisions. Informal loans with exploitative interest rates and shifting terms can trap families in a cycle of poverty. Designing digital credit interfaces responsibly can enable users to achieve income stability, grow their businesses and improve economic resilience.
Credit
When last-mile users see a credit product, they’re thinking...
HOW CAN I…
...get this money into my wallet when I need it?
...understand how much is available today, and in the future?
...commit to repayment if my income is variable?
...understand repayment terms and not be surprised down the road?
...ensure that the decision to take out credit aligns with my values?
Moments that matter
-
![]()
Discovering Formal Credit
Help users understand what’s involved in getting a loan
-
![]()
Loan Application
Help users understand the terms of their first loan and onboard and apply with ease
-
![]()
Repayments
Guide repayments to make them feel seamless
-
![]()
Repeat Loan
Give users tools that empower them to manage their credit and grow their businesses
-
![]()
Group-based Lending
Empower members and bookkeepers with trust and transparency
