Customers get loans and credit cards in seconds. Triangulated underwriting keeps every offer within your risk appetite. Then every loan is easy to manage and robustly collected, from your own core to every UNIFOS bank and beyond.
Unified Financial Operating System for Banks
Ace · AI Credit Exchange for Instant Credit and Best-in-Class Risk Management
Accelerate Lending, Automate Repayments and Collections
Offer a variety of loan products to your customers in your mobile banking app: payday, salary advance, small-ticket, personal and consumer-durable loans. Launch them in your Standalone App or inside your existing app through the Super SDK.
Ace, our AI Credit Exchange, underwrites each loan in seconds against your rules, an AI Checker and the credit bureau, and disburses it the moment it is approved.
Lenders set up underwriting and collection rules, and use the dashboards and a variety of reports to analyse and manage the loan portfolio.
Ace manages loan accounts over their lifecycle. Customers view their loan statements in your mobile app.
Borrowers repay conveniently from their bank accounts, with auto-repay on the due date.
Ace executes collections using the rules you configure, recovering due and delinquent payments from accounts on your core banking or BALANCE and from other banks through the interbank standing-instruction scheme.
End-to-End Lending That Grows Profitable Portfolios
Instant Loan Disbursements
Credit Lifecycle and Portfolio Management
Credit Repayments
Collections for Due and Delinquent Amounts
01 · Instant lending
An Offer in Seconds, the Money at Once
Payday loanSalary advanceSmall-ticket personal loanPersonal loanConsumer-durable loanCredit card
Five loans and a credit card
01
A limit before they ask
Pre-approved customers see what they can borrow, as a loan or a credit card, right in the app.
02
Apply in a few taps
The amount received, interest, charges and every repayment are on screen before they confirm with their PIN.
03
A decision in seconds
Three independent checks run the moment they apply, so the answer comes back at once.
04
Paid out instantly
The money lands in their account, on your own core or on BALANCE, or the new credit card limit goes live, the moment it is approved.
02 · Risk managementThree Independent Views, One Conservative Offer
01
Your Maker pass
Your own rules on your own data: balances, salary credits and account history. For Super SDK banks, this pass runs in IMS, our Institution Management System on your premises.
02
The AI Checker
With the customer’s consent, it sees borrowing and repayment behaviour across the UNIFOS network and catches over-indebtedness that one lender cannot see.
03
The credit bureau
The bureau confirms the customer’s wider credit position before any eligibility is offered to the customer.
The three are triangulated into the most conservative offer, so it never exceeds your own ceiling. Every verdict is signed with its reasons, a behaviour score grades each borrower A to E, and cases above your instant cap go to your credit officers.
Within your threshold
Approved automatically
Your rules act as the Maker and the AI Checker as the checker. When both agree within your instant-disbursal threshold, the loan is approved on the spot.
Above it, or flagged by a rule
Final approval by your credit officer
The case moves to a workflow on the Partner portal, with every check and the borrower’s data in one place, and your officer approves it with the UNIFOS portal PIN.
Either way, disbursal stays automated: the money is paid the moment the loan is approved.
Power High-Performing Credit Portfolios with Seamless Loan Management
Origination
Rule Engine
Loan Management
Collections
Loan Eligibility Check
Existing Loan Exposure Review
Credit Bureau Verification
Loan Management Configuration
Underwriting and Pricing Rules
Product Master Set-up
Reports and Dashboards
Instant Decision in the App
Loan Management
Loan Disbursement
Repayments and Statements
Ongoing Loan Tracking
Auto-Repay on the Due Date
Settlement of Collected Funds
Delinquency and Dues Collection
Interbank Collection
03 · Loan management
Easy to Repay, Easy to Run
Customers handle their loans themselves in the app, and your team services the book from the Partner portal.
For your customer, in the app
Auto-repay
Each instalment is taken from their own account on the due date.
Repay early or in part
Any amount, any day, from the app.
Statement on demand
Every instalment, what is paid and what is left, on screen or as a download.
Close or top up
An exact payoff quote to close the loan, or a top-up that settles the old loan in one step.
Ask to reschedule
A request from the app goes straight to your team.
For your bank, on the Partner portal
Reminders before each due date
And again when a payment is missed, so customers repay on time.
Servicing on the Partner portal
Block, reschedule, pre-close, write off and recover, each under maker-checker and the UNIFOS portal PIN.
Loan and collection dashboards
The whole book, every repayment and every day past due, in one view.
Microfinance banks and fintechs run the loan book on BALANCE core banking. Commercial banks keep their own core, with IMS, our Institution Management System on your premises, posting every payout and repayment.
04 · Collections
Three Tiers of Collection
Collection is built in from day one. Whatever one tier cannot collect moves to the next, so a delinquent loan has nowhere to hide.
01IMS
Within your bank
Collects what the borrower owes from their accounts on your own core, in real time.
02Ace
Across UNIFOS banks
Collects what is still owed from the borrower’s accounts at every bank on BALANCE core banking, with the consent given at loan acceptance.
03Ace
At other banks
Collects what remains from the borrower’s accounts at banks outside UNIFOS, through the interbank standing-instruction scheme.
The collection ladder, set by each lender
- Day 1Reminder
- Day 3Second reminder
- Day 7Call from your team
- Day 15Demand notice
- Day 30Interbank collection, approved by your officer
From the first day past due
Collection starts the moment a repayment is one day late.
Most overdue first
Money clears the oldest arrears first, so loans return to good standing sooner.
Loans and credit cards
One collection engine for every facility.
Merchants and agents
A share of each day’s merchant collections repays the loan.
Once, and only once
A retry never takes twice; every collection is reconciled daily.
Your Credit Team, One Portal
Loans above your instant-disbursal threshold, or flagged by one of your rules, come to your credit officer on the Partner portal. The officer underwrites the case and gives the final approval; the payout that follows is fully digital.
- 01
The case arrives
Above your threshold, or flagged by a rule, the application lands in the credit officer queue with every check and the borrower’s data.
- 02
Your officer underwrites
The officer reviews the three views, sets the limit, tenor and instalment, and approves with the UNIFOS portal PIN.
- 03
The money moves digitally
The moment the officer approves, the loan is disbursed automatically to the customer’s account.
Lending desk
Set products, pricing and rule sets, each approved by a maker and a checker and signed with the UNIFOS portal PIN. Credit officers see the Maker pass, the AI Checker and the bureau side by side with the triangulated offer, then set the limit, tenor and instalment before they sign.
Portfolio
See the whole loan book at a glance. Collection starts on any account the moment it is one day past due. Dashboards and reports serve every team.
Collections
Collection portfolio dashboards and reports. Collection starts on any account the moment it is one day past due.
Lasting Value for Banks Across Africa
New interest income from customers whose salaries and balances you already see.
Safer lending: every offer is triangulated from three independent views into the most conservative one, and never goes above your own ceiling.
Strong automation in collections, easy repayment options and clear loan statements keep your book healthy.
Explore Other Products
- BALANCE · Digital Banking
- Digital and business accounts
- Credit card and prepaid card accounts
- Loan accounts
- Reward points and redemption accounts
- ScanPay · Pay by QR
- Any merchant’s interoperable QR, any bank
- Static and dynamic QR codes
- Instacard, BALANCE account or another bank’s card
- Checkout on merchant sites
- Accepto · Merchant Acceptance
- SoftPOS for contactless payments
- POS terminals
- Payment links and online checkout
- Digital business accounts for settlement
- Instacard · Virtual & Universal Cards
- Virtual and physical card issuance
- Debit, credit, prepaid and gift cards
- Universal card
- Dynamic CVV for online payments
- Contactless payments with virtual cards
- DTS · Dual Transaction Service
- Virtual credit cards
- Credit on existing debit cards
- Collections and repayments
- Dynamic limit management
- BVN and NIN Checks
- Active and Passive Liveness
- Face Match
- ID Reading
- Location and Address Proof
- Soft Token with 30-Second Codes
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
- Rewa · Loyalty Management
- Customised reward programmes
- Reward points and redemption accounts
- Points, cashback and tiers
Frequently Asked Questions
Payday loans, salary advances, small-ticket loans, personal loans and consumer-durable loans. You define the terms, interest rates, repayment schedules, fees and underwriting rules on the Partner portal, with maker-checker and a UNIFOS portal PIN signature on every change.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.