V-xchange's nano credit uses predictive analysis to determine customers borrowing eligibility based on various factors to provide small unsecure loans to mobile customers. This unconventional method of determining eligibility allows for timely decision making, which significantly increases speed of disbursal faster than other sources of finance.

V-xchange provides this service by plugging in to mobile telecommunication networks and banking platforms and extracting a wide range of data from these various data pools to be able to provide people with minimum amounts of advances, cash advances and payday loans. Using predictive analysis to determine customer eligibility and amount to be disbursed, optimising cash flow based funding decisions, we reduce lenders’ risk and increase approval speed through an automated process built on sound algorithms focused on meeting the daily needs of customers while achieving financial inclusion.

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