AI-Driven Credit Solutions
Smarter Sales, Seamless Distribution—Powered by Robusst AI
AI Credit Solutions
Our Key Offerings
Micro and Nano Lending
Deliver instant, small-ticket loans to underserved and unbanked populations. Our platform ensures quick approval, minimal friction, and seamless integration with mobile money or operator billing systems.
Airtime and Data Advances
Provide customers with real-time airtime or data credit top-ups to maintain uninterrupted connectivity — a must-have in today’s always-on world.
Device Financing
Make digital access affordable with flexible installment plans for smartphones and essential connected devices. Empower users to join and stay in the digital economy.
Buy Now, Pay Later (BNPL)
Allow customers to pay at their convenience. Whether it’s bill payments, e-commerce purchases, or utility services — BNPL enhances affordability and user satisfaction.
Emergency Credit to Customers
When users run out of balance, our Emergency Credit solution ensures they stay connected. Ideal for prepaid subscribers, this feature is triggered automatically and settles upon the next recharge.
Retailer Credit
Enable your retail and distribution partners to receive airtime or stock credit, boosting channel efficiency and helping partners serve more customers, even during low-cash periods.
Mobile Money Loans
Offer short-term, low-value loans directly through mobile wallets. Perfect for day-to-day needs, our Mobile Money Loan solution is frictionless, digitally underwritten, and designed for mass scalability
Bill Pay Credit
Allow users to pay essential bills—like electricity, water, or internet—even when they don’t have immediate funds, with automatic settlement upon wallet recharge.
Inventory & Stock Credit
Extend credit lines to agents, merchants, or sellers in your network so they can stock more and sell more. Designed for high-volume, last-mile operations.
Peer-to-Peer Credit
Enable users to offer or request credit from trusted contacts in their network — building a community-driven safety net for small financial needs.
Empowering Last-Mile Sellers with Smart Credit Access
- Robusst’s Retailer Credit Management solution enables distributors to extend credit to retailers in a seamless, controlled, and data-driven manner — improving sales, enhancing distributor-retailer relationships, and driving stronger business performance across the telecom and digital ecosystem.
Retailer Credit Solution
HOW IT WORKS
Credit Assignment
Field officers allocate credit to retailers based on pre-set credit limits and dynamic risk profiles.
Retail Transactions
Retailers use this credit to sell prepaid vouchers or Telco services to end customers, ensuring they never miss a sale due to stock unavailability.
Collection Mechanism
Retailers repay the credit partially or fully, either digitally or in cash, which is logged in real-time through the software.
Performance Monitoring
Admins can monitor credit disbursal, repayment status, retailer activity, and field officer efficiency through a centralized reporting panel.
Automated Reminders
The system sends real-time alerts and reminders to both retailers and field officers for pending collections or payment follow-ups.
Smart Risk Control
Retailers with delayed repayments can have their credit limits adjusted or temporarily suspended.
AI-Powered Credit Scoring
- Leverage advanced analytics to assess creditworthiness, even for individuals without traditional credit histories. Features:
- Real-time risk assessment using alternative data sources.
- Dynamic credit limit adjustments based on user behavior. Integration with mobile money platforms for seamless transactions.
Fraud Detection and Prevention
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Protect your business and customers with cutting-edge fraud detection mechanisms.
Capabilities:
- Real-time monitoring of transactions to identify anomalies.
- Device fingerprinting to detect unauthorized access.
- Self-learning algorithms that adapt to emerging fraud patterns.
WHY US?
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Operational Efficiency:
Automate credit assessments and reduce manual interventions -
Customer Retention:
Reduce churn by offering timely credit solutions -
Increased Revenue:
Boost Average Revenue Per User (ARPU) through value-added services. -
Market Expansion:
Tap into new customer segments with inclusive credit offerings. - Plug & Play APIs
- Fast to Market Products
- Enhanced Customer Satisfaction
- Most efficient credit decisioning
- Tailor made solutions
FREQUENTLY ASKED QUESTIONS
HOW DOES YOUR AI CREDIT SCORING SYSTEM WORK?
WHAT TYPES OF CREDIT SERVICES DO YOU OFFER?
We support a wide range of offerings including micro/nano loans, airtime/data advances, device financing, and Buy Now Pay Later (BNPL). All powered by seamless AI automation and fraud protection tools.