Take a borrower from application to disbursement in minutes — digital onboarding, eKYC, OCR capture and a rules engine that pulls bureau and alternative data to decide in real time.
PhotonMatters origination handles the full intake journey across every channel a borrower might use — a web form, a mobile app, a USSD session on a feature phone, or an agent in a kiosk. The same configurable flow captures the application, verifies identity, scores the borrower and produces an offer.
Because the product builder, rules and data pulls are all configurable, you launch a new loan product or enter a new market without re-coding the pipeline — and approve thin-file borrowers the old system would reject.
A single application flow across web, mobile, USSD and agent channels — built for low-bandwidth markets.
Identity verification, sanctions and PEP screening, and watchlist checks wired into the journey.
Snap an ID or payslip and the engine extracts, validates and files the data automatically.
Define amounts, tenors, pricing, fees and eligibility for a new product without engineering.
Pulls bureau and alternative data, then approves, declines or refers against your policy rules.
Produce a compliant offer with terms the borrower accepts and signs digitally on the spot.
The borrower starts on web, mobile, USSD or with an agent and submits the application.
eKYC, AML screening and OCR document capture confirm identity and extract the data.
The rules engine pulls bureau and alternative data and returns an approve, decline or refer.
The borrower e-signs the offer and funds release to bank, wallet or mobile money.
Pair origination with explainable scoring and full-lifecycle servicing to run the whole credit journey on one platform.
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