Category: Risk Management
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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 Locking: Why the End User Matters in Digital Lending
Device locking is one of the most reliable tools fintech platforms have to protect financed devices and ensure repayments. On its own, it secures assets and reduces defaults with certainty. Paired with a thoughtful borrower experience, it becomes a driver of repayment growth. Why? Borrowers are the ones making repayments, responding to nudges, and interacting…
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RBI’s Expected Guidelines Validate Datacultr’s Consent-Driven Digital-First Approach
Multiple credible reports indicate the Reserve Bank of India (RBI) is considering a proposal that could allow lenders to remotely lock borrowers’ phones in cases of small ticket loan default on the device. Importantly, this would be done with adequate customer safeguards: borrower consent, transparent communication, and strong data protection measures. At Datacultr, we’ve worked…
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Cellphone Financing Challenges and Solutions for Fintechs
Fintechs are betting big on cellphone financing. But are they ready for the risks? For millions of individuals, the high upfront cost of a smartphone is the single biggest barrier to entering the digital economy. According to GSMA, nearly 3 billion people remain offline globally, largely because they can’t afford a device. For fintechs, this…
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Is Your Device Financing Technology Partner Truly Enterprise-Grade?
Device financing today comes with risks that extend beyond missed payments. As per a report, the finance sector loses an average cost of $6.08 million per data breach, which is 22% more than the global industry average. Behind that number lies a deeper reality: when customer data is exposed, the consequences are immediate – regulatory…
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The Future of Collections: Predictive, Proactive, Pre-Due
Still chasing payments after the due date? It’s time to rethink your collections strategy. At Datacultr, after powering over 18 million device financing loans across 30 countries, we’ve seen a clear trend: The most effective collections start before the due date, not after. By mapping a proactive customer journey from loan initiation to repayment, our…
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How Datacultr’s Device Lock Encourages Regular Payments for Device Financing in South Africa
Home Device financing in South Africa is a lifeline for millions striving to participate in the digital economy. However, market challenges like limited access to credit and high device costs make smartphone ownership a hassle. Datacultr is playing a major role in overcoming this challenge of affordability by making device financing secure and accessible across…
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Maximize Deliverability and Reach with Datacultr
Home Are You Lost In The Noise Of Your Inbox? How many unread emails do you have right now? 50? 500? More? Now, imagine your borrowers’ inboxes, all cluttered with loan reminders, promotions, and spam. No wonder traditional communication methods are failing! A reality check is that the average email open rate is 34.79%, and…
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Datacultr Paving the Way for Mexico’s Digital Transformation by Securing Tablet Financing Options
Home Imagine a Mexico where every student has access to interactive digital learning, and every small business operates with super efficiency. Sounds quite transformative, doesn’t it? Tablets are making this vision a reality, but there’s a challenge: affordability. Here’s where Datacultr steps in. We understand that high upfront costs often keep individuals and businesses from…