Category: Device Financing
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Device Financing in Kenya: Expand Beyond Brand Limits
Kenya’s mobile finance market is expanding fast. Safaricom alone has financed over 2 million phones in Kenya since it started the Lipa Mdogo Mdogo program in 2020, proving one thing: people there want phones on mkopo, and they are willing to pay, step by step. But many device financing programs still operate within a hidden…
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Scaling Cell Phone Financing in LATAM Across All Smartphone Brands
Lendo da América Latina? Clique aqui para explorar a versão em português deste blog. (Reading from LATAM? Click here to explore the Portuguese version of this blog.) LATAM’s smartphone market is not defined by a single manufacturer. Samsung and Xiaomi lead regional volumes, Motorola remains strong across multiple markets, and brands like Honor, OPPO, and…
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Risk Management for Microfinance: How eezLoan Helps Lenders Build Safer Micro Loan Portfolios
What if the most reliable collateral in microfinance is already in the borrower’s pocket? Across emerging markets, smartphones are becoming the most critical asset borrowers own. For lenders expanding microloans, this reality is reshaping how risk management for microfinance can be designed. Instead of relying solely on field collections or traditional collateral, lenders are beginning…
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Look Beyond Device Lock by Changing Repayment Behaviour
In device financing, device lock is often seen as the primary risk control tool.Missed payment? Lock the device.Payment resumes? Unlock it. This model has enabled lenders to confidently extend credit to new-to-credit and thin-file customers while protecting the financed asset. But customer expectations are evolving. Borrowers today expect clarity, timely reminders, and fair, empathetic communication,…
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Smartphone Financing for MNOs & MVNOs: Protect Revenue in Device Bundling
In today’s telecom market, customers switch networks faster than ever. Why? Because offers are similar, prices are competitive, and loyalty is weak. For MNOs and MVNOs, the big question is: how do you grow revenue and retention without taking extra risk? One proven way is device bundling, offering a smartphone (or tablet/smart TV) with a…
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Device Financing in Nigeria: Managing Risk When Customers Go Offline
Device financing in Nigeria is expanding rapidly, driven by rising smartphone demand across urban, semi-urban, and rural markets. However, consistent internet access remains uneven. Data affordability, network variability, and geographic coverage gaps mean that a significant share of smartphone users are only intermittently connected. Industry estimates suggest that nearly 40 million people in Nigeria remain…
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Device Financing in LATAM: Securing Every Cell Phone You Finance
Device financing is changing how smartphones are sold across LATAM, from Mexico City to Buenos Aires. If you sell devices, you already know the pattern: customers walk in asking for financing options like zero-interest monthly plans(meses sin intereses) or weekly installments (abonos semanales), often without complicated credit bureau checks (buró de crédito). In 2025, LATAM’s…
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25 Million Smartphones Later: Why 2026 Belongs to All Kinds of Devices on Financing
For years, banks and lenders have played a central role in financial inclusion, and that does not change. In fact, the next wave of inclusion will depend on them even more, as consumer needs evolve beyond traditional credit into everyday essential devices. What has become clear through the last few years is this: Smartphone financing works…
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Smartphones: The New Credit Enablers Transforming Micro-Financing
Can smartphones become credit enablers? With eezLoan, they can. Financial institutions and lenders now have the opportunity to unlock new segments, expand lending responsibly, and create more inclusive credit ecosystems. eezLoan converts a user’s smartphone into virtual collateral, with device locking features and a comprehensive digital debt collections platform, effectively building a bridge between customer…
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From 25 Million Loans to the Next Leap in Engagement
Introducing TrueDigi by Datacultr Backed by years of industry expertise, Datacultr has been at the forefront of digital collection transformation — helping lenders, fintechs, and telcos manage risk, drive repayment, and enable financial inclusion at scale. Across 30+ countries and 25 million+ loans, we’ve seen how technology can unlock credit and protect assets. Yet, despite all this progress, one challenge…