PhotonMatters
Design, target and automate

Design, target and automate every lending campaign.

One console to build audiences, orchestrate journeys across SMS, WhatsApp, email, voice and missed call, and prove the ROI of every send.

Overview

From acquisition to lifecycle, all in one place.

Acquiring and retaining borrowers in emerging markets means meeting them where they already are: SMS, WhatsApp, voice and missed call. Campaign Management lets growth and lifecycle teams build precise audiences, design multi-step journeys, and launch across every channel without stitching together separate point tools.

Consent, throttling and compliance are built in from the start, and real-time analytics tie every message back to applications, disbursals and repayments, so you can see which campaigns actually move the book, not just open rates.

Targeted acquisition

reach the right segments with the right offer across every channel.

Automated lifecycle comms

onboarding, cross-sell, renewal and win-back journeys run themselves.

Measurable ROI

attribution links each campaign to applications, disbursals and repayments.

Campaign planning · Lagos
Capabilities

Everything a lending marketer needs.

Audience building, multi-channel orchestration, compliance and analytics, in a single, lending-aware platform.

01

Audience builder & segmentation

Compose precise audiences from demographic, behavioural, repayment and credit attributes with a visual rule builder.

02

Multi-channel delivery

Reach borrowers over SMS, WhatsApp, email, voice and missed call, from one campaign, with channel fallback logic.

03

Journey & lifecycle automation

Build branching, trigger-based journeys for onboarding, cross-sell, renewal and win-back that run without manual sends.

04

Throttling & send controls

Rate-limit by channel and gateway, set quiet hours and frequency caps, and protect deliverability at high volume.

05

Consent & compliance

Honour opt-in / opt-out, DND registries and per-market regulations automatically, with a full consent audit log.

06

Real-time analytics & attribution

Live dashboards tie delivery, response and conversion back to applications, disbursals and repayments per campaign.

How it works

  1. 01

    Build audience

    Define your target segment from demographic, behavioural and credit attributes with the visual builder.

  2. 02

    Design journey

    Lay out the multi-step, multi-channel flow with triggers, branches, wait steps and channel fallbacks.

  3. 03

    Launch

    Go live with consent checks, throttling and quiet-hours controls enforced automatically.

  4. 04

    Measure

    Track delivery, response and conversion in real time, attribute ROI, and iterate on what works.

Features

What you can do.

Campaign console

Lifecycle-Based Targeting

Segment borrowers by behavior, credit score, tenure, and repayment patterns, and speak to them when it matters most.

Outcomes

Targeted Acquisition

the right offer reaches the right segment on the channel they use.

Automated Lifecycle comms

onboarding, renewal and win-back journeys run without manual sends.

Measurable ROI

every campaign is attributed to applications, disbursals and repayments.

Get started

Plan your first multi-channel campaign with us.

Tell us a segment and an offer. We’ll design the audience, the journey and the attribution model, and walk you through what to expect at launch.