FinTechPlatform EngineeringData & AnalyticsIntegrationAutomation

Microfinance Lending Platform for Emerging Markets

USD 1.2B loan portfolio · 10M+ credit decisions · 1.8M+ customers

Client

Global Mobile Financial Services Provider

Region

Africa, Asia & Latin America

Key Outcomes

USD 1.2B loan portfolio managed10M+ credit decisions for 1.8M+ unique customersApproval rates improved from 30% to 45%

Business Challenge

A global mobile financial services provider needed a scalable micro-lending platform for unbanked and underserved customers across emerging markets. The system had to reduce the cost of delivering credit, evaluate eligibility from digital footprints, and integrate with banks, MFIs, credit bureaus, mobile money providers, MNOs, and handset manufacturers while remaining accessible through basic mobile channels.

Solution Overview

DIATOZ built a USSD-driven lending platform that manages customer opt-in, eligibility checks, loan crediting, wallet disbursement, repayment, and opt-out journeys from a mobile phone. The platform combines Ruby on Rails services, MySQL persistence, Redis-backed performance patterns, Apache NiFi-powered data flows, and AWS infrastructure to process partner data, evaluate credit limits, trigger wallet crediting after customer confirmation, and support repayment through USSD.

Architecture & Engineering

USSD customer journeys for opt-in, credit request, confirmation, repayment, and opt-out

Ruby on Rails application services running behind Puma and Nginx

MySQL transactional data store for customers, loans, repayments, and portfolio operations

Redis performance layer for fast state and workflow handling

Apache NiFi data orchestration for partner and scoring-system data flows

AWS EC2 and S3 infrastructure supporting scalable lending operations

Technology Stack

Ruby on RailsPumaMySQLRedisApache NiFiAWS EC2Amazon S3NginxUSSD

Business Impact

Managed a USD 1.2B loan portfolio across emerging-market credit products

Processed 10M+ credit decisions for more than 1.8M unique customers

Used 1,000+ data points and 150K+ actual default signals to strengthen scoring intelligence

Improved approval rates from 30% to 45% through machine-learning-based classification

Supported scoring across 200+ credit portfolios and partner lending ecosystems

Why DIATOZ

DIATOZ engineered the lending backbone around the realities of financial inclusion: low-friction USSD access, partner-heavy integration, scalable credit decisioning, and reliable loan lifecycle operations.