Who we serve
Built for the institutions that move credit.
Banks, NBFCs and telecom operators run on PhotonMatters to launch, scale and collect credit across Africa, India and the Middle East.
Digital-first credit, free of legacy core constraints.
Launch new lending products in weeks instead of quarters. PhotonMatters sits alongside your core, plugging the gaps in origination, scoring and collections without a multi-year migration. Compliance is built in from day one.
- Core-agnostic integration with your existing systems
- 8-week go-live from kickoff to production
- Regulatory reporting & full audit trails
Scale alternative lending on configurable rails.
Build any product construct, score borrowers no one else can see, and protect the book with AI-led collections. PhotonMatters gives lenders the flexibility of a custom stack with the speed and economics of a platform.
- Product builder for any lending construct
- Alt-data scoring for thin-file borrowers
- AI collections to protect the book
Turn your subscriber base into a financial-services business.
Your subscribers already trust you with airtime and mobile money. Extend that into credit. PhotonMatters layers lending, microloans and device financing onto your network, plus GSM Missed Call & Collect Call to engage every customer at zero cost.
- Airtime & device financing for subscribers
- Microloans delivered entirely via mobile
- Missed Call & Collect Call engagement
Born for emerging markets
Africa
Our primary market mobile-money native lending across West, East and Southern Africa.
India
MSME, consumer and supply-chain credit with NBFC and bank partners.
Middle East & GCC
HQ in Dubai Shariah-aware and digital lending for the Gulf.
Built to run at national scale.
250k+/hr
Requests at peak scale
8 wks
From kickoff to go-live
99.9%
Platform availability
3
Regions: Africa · India · ME