Optasia

OPTASIAbuyer room · privateManage buyer room

Pan-African embedded-credit behavioural dataset generated by running the full loan lifecycle on behalf of MNOs: preapproval targeting, real-time application and approval, disbursement into mobile wallets, and collections/recovery — across seven distinct credit products (airtime and data credit, wallet/checkout overdraft, nano and bullet loans, device financing, merchant loans, BNPL online and in-store, agent working-capital overdraft, electricity advance). Decisioning draws on thousands of telco-derived data points per consumer. The distinctive asset is breadth across credit *product types* on one decisioning stack for the same unbanked population — an almost unique cross-product view of how thin-file African consumers behave when the credit is airtime versus cash versus a handset versus merchant working capital — plus an explicit 'Data Monetization' data-as-a-service line the company already sells to partners.