Capability
Digital Lending, End to End
Lending is where institutions grow — and where legacy cores slow them down. Manam runs the entire loan lifecycle on one platform: originate, score, decide, disburse, service, and collect — automated end to end, configured to your credit policy, and embedded in every channel a borrower already uses. Launch new loan products in days, decide in seconds, and disburse in real time.
Loan request
KES 50,000
Credit decision
Bureau + alternative data · policy-matched
The complete loan lifecycle
Origination, underwriting, disbursement, servicing, and collections on one digital lending platform — no stitched-together point solutions, no data handoffs between silos.
A configurable product engine
Define loan products, eligibility, limits, pricing, and repayment rules as configuration — stand up retail, micro, SME, or embedded credit without re-platforming.
Data-driven credit scoring
Combine bureau data with transactional and alternative signals to score thin-file and new-to-credit borrowers — lend to more people, with measured risk.
Decide and disburse in real time
A policy-driven decisioning engine approves, declines, or refers in seconds, and approved funds land straight in the borrower's account or wallet — no branch visit, no wait.
Servicing & collections built in
Repayment schedules, reminders, and automated collections run through to closure, with delinquency tracking and recovery workflows that protect portfolio quality.
Lend where borrowers are
Offer credit inside your mobile app, over USSD, or at the point of sale — the same lending core reaches every borrower on every channel.
- Loan origination & underwriting
- Bureau + alternative-data scoring
- Real-time decisioning
- Instant disbursement
- Servicing & collections
- Configurable products & pricing
Customer journey
How Digital Lending works
Apply anywhere
A borrower applies in the app, over USSD, or at a merchant — with digital KYC pulling identity in seconds.
Score the risk
The engine scores creditworthiness from bureau, transactional, and alternative data in real time.
Decision instantly
Configurable rules approve, decline, or refer — with the limit and terms the policy allows.
Disburse in real time
Approved funds land in the borrower's account or wallet immediately — no branch visit, no wait.
Service & collect
Repayment schedules, reminders, and automated collections run through to closure, with recovery workflows for arrears.
Frequently asked questions
What is a digital lending platform?
A digital lending platform automates the entire loan lifecycle — application, credit scoring, approval, disbursement, servicing, and collections — so institutions can originate and manage loans without manual, paper-based processes.
Can Manam score borrowers with no credit history?
Yes. The scoring engine combines bureau data with alternative and behavioural signals, enabling responsible lending to thin-file and new-to-credit customers who traditional models would reject.
What kinds of lending does Manam support?
Retail and salaried loans, microfinance, SME and merchant credit, and embedded lending at the point of sale — all configured on one core with product-level rules and limits.
How fast can a borrower get a loan?
With straight-through processing, a borrower can apply, be scored, approved, and funded in minutes. The decisioning engine returns a policy-based decision in seconds and disburses instantly to an account or wallet — no branch visit required.
How does the platform handle repayments and defaults?
Every loan carries a repayment schedule with automated reminders and collections. Delinquency is tracked in real time and configurable recovery workflows escalate arrears, protecting portfolio quality and reducing non-performing loans.