Optasia
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Optasia
We deliver Optasia, the AI Platform enabling financial access for the next billion customers.
A fully-integrated B2B2X financial technology platform covering scoring, financial decisioning, disbursement & collection. We provide a versatile AI Platform empowering financial inclusion for all, delivering responsible financing decision-making and driving a superior business model & strong customer experience.
Whether your fintech needs revolve around Big Data, Mobile Financial Solutions, Airtime and Data Credit or Device Financing, we can get results for you by utilizing untapped opportunities, distribution channels and revenue streams through big data and analytics.
We can help you achieve your targets, increase revenue and improve your bottom line.
The AI Platform Enabling Financial Access For The Next Billion Customers
Optasia is a fully-integrated B2B2X financial technology platform covering scoring, financial decisioning, disbursement & collection. We provide a versatile AI Platform powering financial inclusion, delivering responsible financing decision-making and driving a superior business model & strong customer experience.
Through the Optasia platform we offer our partners a more well-informed decision process on credit scoring. We are opening up massive untapped opportunities for them by providing financial solutions and empowering a full range of financial services, from consumer finance solutions to enterprise finance solutions, credit scoring, data science as a service, platform as a service.
Utilizing our network we provide powerful flywheel effects for our partners and customers, by powering repeatable & scalable growth levers through our Optasia platform. Our vision is to leverage our AI-led end-to-end proprietary technology to help our partners, grow our network & provide comprehensive financial access to retail & SME customers.
Operating since 2012 and expanded in more than 30 countries in Africa, Middle East, Asia and LATAM with focus in emerging markets, we have supported MNOs and financial institutions to provide over $8 million USD credit daily to more than 560 million accessible subscribers in 2021 and continues to expand to new markets globally.
We have been chosen as a prime investment opportunity by top firms like Abu Dhabi’s Waha Capital in 2017, and Ethos, a leading South African investment company in late 2018. The company also obtained ISO 27001 Certification in late 2021. Further to showcasing the immense business potential of the company, such moves also support the expansion of rapidly growing our footprint globally, while at the same time opening the Mobile Financial sector to investors.
Through our financial partners, we are supporting our MNO and other mobile wallet customers to provide micro-financing solutions to underbanked and unbanked populations in Africa, Middle East, Asia, Europe and Latin America.
THE AI PLATFORM ENABLING FINANCIAL ACCESS FOR THE NEXT BILLION CUSTOMERS
Platform-as-a-service that features a plethora of advanced capabilities based on learnings from multiple deployments and client engagements across the mobile and banking industry from the past several years of our proven experience in the field, to help clients optimize their campaigns, limit infrastructure costs and maximize their monetization potential.
Our proprietary AI-Led Data Engine that allows us to capitalize on massive growth opportunities.
The Optasia multitenancy brings various lending products under the same roof and delivers them with one platform installation that combines machine learning, artificial intelligence, and data science to maximize the credit scoring models’ efficiency. Optasia includes a comprehensive campaign management tool for engaging, customizable remarketing campaigns, and is adaptable to the infrastructure of your choosing, including AWS and Azure cloud services as well as private clouds.
BENEFITS
Multitenancy of product delivery
Real-time profiling and credit scoring
Configurable remarketing campaigns
Supports all types of credit products (installment, non-installment, revolving credit, BNPL)
Mobile Financial Services
DIGITAL BANKING MOBILITY
We provide unique micro and nano finance solutions like BNPL-as-a-service and Credit-as-a-service to our distribution partners, supporting financial inclusion for all and growing the potential for the underbanked populations to tap into funding opportunities.
Through our tailored solutions, we help distribution partners advance credit to their customers instantaneously through our end-to-end digital platform. At the heart of our services is a cutting-edge proprietary credit scoring platform that relies on hundreds of data points per customer to analyze financial behavior and provide a unique cost-effective manner to provide micro-loans.
Some of the solutions provided to our partners through our proprietary technology that profiles credit recipients through hundreds of different data points, are:
XtraCash:
Instantaneous and hassle-free access to credit on mobile wallets and bank accounts.
Pay-as-you-go electricity:
Credit to conveniently unlock energy supply at home when you are out of pocket.
Micro and nano loans:
Provides micro-finance institutions with the platform to advance money to subscribers and allow monthly installment repayments.
BENEFITS
Allows small transactions to benefit even the lowest customer needs
Hassle-free and trustworthy access to loans through easy to use and credible solutions
Cost effective loans with very reasonable terms and conditions versus the competition
Addresses all levels of the population, with or without access to traditional banking
Airtime Credit Services
AIRTIME AND DATA CREDIT
We are the #1 airtime credit provider in the world, delivering unmatched performance to our clients.
Our proprietary Digital Financial Platform (DFP) is a fully managed Airtime Credit & Airtime Advance platform that offers a unique technology to monetize out-of-credit subscribers.
The OPEX/CAPEX-free solution distributes up to 30% of the MNOs prepaid airtime credit & airtime advance sales, with no financial risks to the operators. Airtime Credit & Airtime Advance solutions provide satisfaction to customers of MNOs, increasing loyalty.
Use our disruptive technologies in advance credit & advance airtime rating, campaign management, credit scoring and analytics to promote financial inclusion and other innovative services like our pre to post pay migration, which reduces the cost of acquisition and increases conversion, risk-free.
BENEFITS
Boost ARPU by up to 6%
8-10% churn reduction
No CAPEX, OPEX, risks for operators
Offer a convenient top up channel to your subscribers
Handset loans
AFFORDABLE DEVICE LOANS
We address one of the major issues for financial exclusion in today’s emerging markets: The lack of funding to purchase a smartphone that allows access to a world of digital and financial services.
We provide a fully managed handset financing program to MNOs to boost ARPU and loyalty, risk free. Handset loans increase 3G/4G handset penetration within your network and boost loyalty and data revenues.
We also provision the need to secure the investment through our proprietary device locking solution, embedded to all distributed phones, locking the device if payments are pending. After the payment deadline is passed, the solution may temporarily lock the phone remotely until the customer pays the monthly installment.
BENEFITS
Provide subscribers with smartphone level technology for access to more services
Increase loyalty with no risk
Security solutions embedded
Ensure financial inclusion for more people
Company Culture
Channel VAS, the global Fintech leader, is looking for you! A creative individual that wants to be on board our journey to redefine the Fintech world as we know it, through mobile devices.
If being a part of the world’s #1 company in mobile micro-credits sounds cool to you, if you find the fields of Big Data, Analytics, Technology and Finance fascinating, then join our team of 200 likeminded individuals, that assist in evolving our technology, products, and services every day. Products and services delivered to over 750 million consumers in over 50 telco partners and finance institutions in more than 42 countries.
With unceasing growth in mind, we meticulously look for talented professionals in various positions. Professionals that will provide excellent and steer accessible financial services to most people possible at any chance.
We welcome you to share our vision, our vision to lead the global economic and social development, with financial inclusion for all, through mobile added value services.
Join us as we adapt to our new reality, during and after the pandemic and as we keep performing and offering the same level of extraordinary Fintech solutions and turning challenges into opportunities.
We deliver Optasia, the AI Platform enabling financial access for the next billion customers.
A fully-integrated B2B2X financial technology platform covering scoring, financial decisioning, disbursement & collection. We provide a versatile AI Platform empowering financial inclusion for all, delivering responsible financing decision-making and driving a superior business model & strong customer experience.
Whether your fintech needs revolve around Big Data, Mobile Financial Solutions, Airtime and Data Credit or Device Financing, we can get results for you by utilizing untapped opportunities, distribution channels and revenue streams through big data and analytics.
We can help you achieve your targets, increase revenue and improve your bottom line.
The AI Platform Enabling Financial Access For The Next Billion Customers
Optasia is a fully-integrated B2B2X financial technology platform covering scoring, financial decisioning, disbursement & collection. We provide a versatile AI Platform powering financial inclusion, delivering responsible financing decision-making and driving a superior business model & strong customer experience.
Through the Optasia platform we offer our partners a more well-informed decision process on credit scoring. We are opening up massive untapped opportunities for them by providing financial solutions and empowering a full range of financial services, from consumer finance solutions to enterprise finance solutions, credit scoring, data science as a service, platform as a service.
Utilizing our network we provide powerful flywheel effects for our partners and customers, by powering repeatable & scalable growth levers through our Optasia platform. Our vision is to leverage our AI-led end-to-end proprietary technology to help our partners, grow our network & provide comprehensive financial access to retail & SME customers.
Operating since 2012 and expanded in more than 30 countries in Africa, Middle East, Asia and LATAM with focus in emerging markets, we have supported MNOs and financial institutions to provide over $8 million USD credit daily to more than 560 million accessible subscribers in 2021 and continues to expand to new markets globally.
We have been chosen as a prime investment opportunity by top firms like Abu Dhabi’s Waha Capital in 2017, and Ethos, a leading South African investment company in late 2018. The company also obtained ISO 27001 Certification in late 2021. Further to showcasing the immense business potential of the company, such moves also support the expansion of rapidly growing our footprint globally, while at the same time opening the Mobile Financial sector to investors.
Through our financial partners, we are supporting our MNO and other mobile wallet customers to provide micro-financing solutions to underbanked and unbanked populations in Africa, Middle East, Asia, Europe and Latin America.
THE AI PLATFORM ENABLING FINANCIAL ACCESS FOR THE NEXT BILLION CUSTOMERS
Platform-as-a-service that features a plethora of advanced capabilities based on learnings from multiple deployments and client engagements across the mobile and banking industry from the past several years of our proven experience in the field, to help clients optimize their campaigns, limit infrastructure costs and maximize their monetization potential.
Our proprietary AI-Led Data Engine that allows us to capitalize on massive growth opportunities.
The Optasia multitenancy brings various lending products under the same roof and delivers them with one platform installation that combines machine learning, artificial intelligence, and data science to maximize the credit scoring models’ efficiency. Optasia includes a comprehensive campaign management tool for engaging, customizable remarketing campaigns, and is adaptable to the infrastructure of your choosing, including AWS and Azure cloud services as well as private clouds.
BENEFITS
Multitenancy of product delivery
Real-time profiling and credit scoring
Configurable remarketing campaigns
Supports all types of credit products (installment, non-installment, revolving credit, BNPL)
Mobile Financial Services
DIGITAL BANKING MOBILITY
We provide unique micro and nano finance solutions like BNPL-as-a-service and Credit-as-a-service to our distribution partners, supporting financial inclusion for all and growing the potential for the underbanked populations to tap into funding opportunities.
Through our tailored solutions, we help distribution partners advance credit to their customers instantaneously through our end-to-end digital platform. At the heart of our services is a cutting-edge proprietary credit scoring platform that relies on hundreds of data points per customer to analyze financial behavior and provide a unique cost-effective manner to provide micro-loans.
Some of the solutions provided to our partners through our proprietary technology that profiles credit recipients through hundreds of different data points, are:
XtraCash:
Instantaneous and hassle-free access to credit on mobile wallets and bank accounts.
Pay-as-you-go electricity:
Credit to conveniently unlock energy supply at home when you are out of pocket.
Micro and nano loans:
Provides micro-finance institutions with the platform to advance money to subscribers and allow monthly installment repayments.
BENEFITS
Allows small transactions to benefit even the lowest customer needs
Hassle-free and trustworthy access to loans through easy to use and credible solutions
Cost effective loans with very reasonable terms and conditions versus the competition
Addresses all levels of the population, with or without access to traditional banking
Airtime Credit Services
AIRTIME AND DATA CREDIT
We are the #1 airtime credit provider in the world, delivering unmatched performance to our clients.
Our proprietary Digital Financial Platform (DFP) is a fully managed Airtime Credit & Airtime Advance platform that offers a unique technology to monetize out-of-credit subscribers.
The OPEX/CAPEX-free solution distributes up to 30% of the MNOs prepaid airtime credit & airtime advance sales, with no financial risks to the operators. Airtime Credit & Airtime Advance solutions provide satisfaction to customers of MNOs, increasing loyalty.
Use our disruptive technologies in advance credit & advance airtime rating, campaign management, credit scoring and analytics to promote financial inclusion and other innovative services like our pre to post pay migration, which reduces the cost of acquisition and increases conversion, risk-free.
BENEFITS
Boost ARPU by up to 6%
8-10% churn reduction
No CAPEX, OPEX, risks for operators
Offer a convenient top up channel to your subscribers
Handset loans
AFFORDABLE DEVICE LOANS
We address one of the major issues for financial exclusion in today’s emerging markets: The lack of funding to purchase a smartphone that allows access to a world of digital and financial services.
We provide a fully managed handset financing program to MNOs to boost ARPU and loyalty, risk free. Handset loans increase 3G/4G handset penetration within your network and boost loyalty and data revenues.
We also provision the need to secure the investment through our proprietary device locking solution, embedded to all distributed phones, locking the device if payments are pending. After the payment deadline is passed, the solution may temporarily lock the phone remotely until the customer pays the monthly installment.
BENEFITS
Provide subscribers with smartphone level technology for access to more services
Increase loyalty with no risk
Security solutions embedded
Ensure financial inclusion for more people
Company Culture
Channel VAS, the global Fintech leader, is looking for you! A creative individual that wants to be on board our journey to redefine the Fintech world as we know it, through mobile devices.
If being a part of the world’s #1 company in mobile micro-credits sounds cool to you, if you find the fields of Big Data, Analytics, Technology and Finance fascinating, then join our team of 200 likeminded individuals, that assist in evolving our technology, products, and services every day. Products and services delivered to over 750 million consumers in over 50 telco partners and finance institutions in more than 42 countries.
With unceasing growth in mind, we meticulously look for talented professionals in various positions. Professionals that will provide excellent and steer accessible financial services to most people possible at any chance.
We welcome you to share our vision, our vision to lead the global economic and social development, with financial inclusion for all, through mobile added value services.
Join us as we adapt to our new reality, during and after the pandemic and as we keep performing and offering the same level of extraordinary Fintech solutions and turning challenges into opportunities.
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