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.