logo
Business Type

B2C

Industry Type

Fintech, Microfinance

Solutions by Codelogicx

Blockchain Wallet Integration

Project Timeline

12+ Years

Project

Overview

Empowering Financial Inclusion Through Mobile-First Microfinance Innovation

L-Pesa was envisioned as a digital microfinance solution to empower underserved populations in Africa and Southeast Asia with accessible, technology-driven financial services. The project aimed to close the gap between traditional banking and the unbanked by leveraging mobile technology for loan disbursement, credit scoring, and repayment.

With a focus on automation, scalability, and regional adaptation, Codelogicx was brought on board to build a robust platform capable of integrating with local mobile money systems and extending financial inclusion across Tanzania, Kenya, and Uganda. To extend accessibility in regions with limited smartphone penetration, USSD functionality was introduced in Uganda, allowing users to access loan information via basic mobile phones.

Technology

Stack

For Back Office:

CakePHP

For Mobile App:

Android in the UI and Node.js in the API

Project

Strategy

Regional Integration, Automation & Accessibility

To bring L-Pesa's vision to life, Codelogicx implemented a multi-phase strategy that aligned with regional nuances, platform scalability, and responsible lending goals. Our focus on country-specific API integrations facilitated seamless partnership between L-Pesa and local mobile money providers. Thus, frictionless financial transactions were possible in remote ecosystems.

Here's How We Laid the Groundwork for Scalable, Inclusive Finance

  • Progressive Identity Verification Models.
  • Smart User Segmentation.
  • User Adoption via Mobile-First Channels.

A tiered KYC model was adopted, evolving from basic onboarding to credit-based verification involving ID cards and bank statements, especially critical in reducing early defaults.

Next, we tried our hands on a structured approach to user eligibility using contact info, credit score triggers, and bank data, allowing only qualifying users to move beyond entry-level loans.

Finally, USSD-based access, combined with multilingual app versions and responsive design, ensured usability even among low-tech populations in rural and semi-urban areas.

Building the next big thing in

fintech or financial inclusion?

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Our

Solution

Structuring Smarter Microfinance for Last-Mile Communities

Ron observed a pattern of severe credit problems in Africa and Southeast Asia, putting major business operations to a halt. With a vision to align the banking infrastructure in rural countries, Codelogicx supported L-Pesa's rapid scale and mission with a suite of tailored digital solutions, balancing automation, accessibility, and regulatory compliance.

Mobile Money Integration Framework

We developed secure adapters for regional wallets like Tigo Pesa, enabling automatic loan payouts and collections tied directly to user mobile numbers.

L-Pesa Back Office Platform

Created a centralized, role-based operational dashboard for loan lifecycle monitoring, fraud flagging, user control, and repayment insights.

USSD-Enabled Loan Services

Launched a USSD layer to support non-smartphone users, especially in Uganda, allowing them to check loan balances, eligibility, and repayment schedules without internet access.

AI-Driven Onboarding & Credit Scoring

Implemented lightweight machine learning models to analyze user-submitted data and dynamically compute a credit score before loan approval, reducing risk and increasing successful recoveries.

Business

Outcomes

Proof in Performance: Outcomes That Speak for Themselves

For over a decade, Codelogicx has not just told stories but also shown numbers and figures. For L-Pesa's success, our team went above and beyond to deliver measurable impact, where innovation met execution. The outcomes are not just numbers; they are proof of progress in the regions that needed it most.

Rapid Regional Expansion

Team Codelogicx enabled L-Pesa's mobile app with a smooth rollout across 3 countries (Kenya, Uganda, Tanzania) without major platform changes.

Streamlined Loan Completion

Over 164,000 loans disbursed efficiently through mobile-based systems, reducing dependency on manual processing.

High Recovery Rates

With our responsive application development, L-Pesa acquired 90% + repayment success through smart eligibility controls and credit behavior tracking.

Strong Customer Interest

Over 700,000+ sign-ups, indicating massive untapped demand for mobile-based credit solutions.

Selective Onboarding Success

Conversion of eligible users to active borrowers, ensuring loan books remained clean and stable.

Improved Risk Profiling

AI-based credit scoring reduced first-loan defaults, especially in Tanzania, where early-stage losses were high.

Operational Efficiency at Scale

Automated systems reduced manual overhead and made real-time loan monitoring possible.

Increased Accessibility

Through USSD, underserved users in rural Uganda gained financial access without smartphones.

Industry Recognition & Compliance

Membership in the Digital Financial Services Association of Kenya reinforced L-Pesa's commitment to responsible finance and regulatory alignment.

They deliver exactly what I am looking for. They understand my requirements well; I do not need to say much. Since the start of the project, Codelogicx has contributed to a 100,000-user base and an end-year goal of 1 million users. Codelogicx stands above other developers due to their superior timelines and communication. They are a reliable team that easily understands visions and milestone requirements.

Ron Ezra Tuval

CEO, L-Pesa