Banks, NBFCs and telecom operators run on PhotonMatters to launch, scale and collect credit — across Africa, India and the Middle East.
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 — and with compliance built in from day one.
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.
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.
Our primary market — mobile-money native lending across West, East and Southern Africa.
MSME, consumer and supply-chain credit with NBFC and bank partners.
HQ in Dubai — Shariah-aware and digital lending for the Gulf.