About Us

About Us

Microfinance has been answering fundamental needs for centuries. We are not dealing with a new concept when it comes to microfinance. The L-Pesa microfinance system, on the other hand, most certainly is. Microfinance has traditionally been targeted towards small business owners and farmers - completely overlooking the 42% of the world's population that is in need.

Mobile Technology

The rise of the mobile phone over the past two decades has been one of the most profound technological and market shifts in human history. A large majority of humankind now owns a mobile phone, and many own smartphones. Mobile financial services such as Paytm have become available across India and support both the banked as well as the unbanked population. Based on the market penetration of mobile phones (smartphones and feature phones), mobile money services such as Paym in India and M-Pesa in Africa have grown very quickly and have enabled L-Pesa.

Alternative data for cross authentication and scoring

L-Pesa uses external private and governmental data sources to deepen its screening and validation process.

Automated Retention, Collection and Expansion Process

Our technology automates and optimizes the full customer lifecycle to maximize retention, minimize loss and never miss another lending opportunity with our customers.

Big Data for Outreach and Validation

L-Pesa uses big data for targeting potential customers and quickly establishing their return scores.

Creating a world of opportunities.

Our mobile financial services stimulate human potential across India economy.

We trust our customers.

L-Pesa has put its trust in the potential of micro financing and in the people, it serves for over a decade. It is known as the first player in non-developed and less developed countries in Africa.

Loans for the life we desire.

All our services are fully smartphone-based. We avoid challenges imposed by traditional institutions, providing our Indian customers with easy access to cash and the ability to use it wherever and whenever they choose. We use smartphone data to assess people’s credit. Without bureaucracy or paperwork, we developed a quick approval process that allows people to build or rebuild a solid credit history.

A fresh approach to approval.

We assess people’s credit based on smartphone data. With no paperwork or red tape, our approval process is quick and gives people an opportunity to build credit regardless of their banking history.

Building capital, crafting relationships.

By providing customers with seamless opportunities to build credit, we challenge the status quo and open a world of possibilities to experience life to the fullest. With an easy-to-use app to a friendly responsive support team, we do our best to deliver the finest user experience.

A quest with a wide-ranging impact.

Increasing smartphone usage and an undeserved population around the world have prepared the market for innovation. Using cutting-edge technologies and user-friendly mobile services, we expose new and better channels of personal empowerment and financial growth.