AirCredit

AirCredit:Telco-Driven BNPL & Credit Intelligence

AirCredit redefines financial inclusion by transforming raw telecom data into powerful credit intelligence. By analyzing mobile behaviors, top-up patterns, and utility usage, we enable banks to offer instant BNPL and micro-loans to the unbanked with surgical precision. It’s a high-velocity bridge that turns alternative data into low-risk growth, providing credit access where traditional bureaus see only silence.

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Don’t Just Provide the Connection. Provide the Opportunity.

AirCredit a plug-and-play AI Scoring & BNPL Engine designed specifically for Telecom Operators. We don’t ask you to change your network; we simply give it a “brain.”

    • Telco-Native Credit Scoring: Our AI analyzes top-up habits, tenure, and wallet velocity to create an instant Trust Score.
    • Seamless BNPL Integration: Offer “Buy Now, Pay Later” at the point of sale—online or in-store—with 1-click approval via SIM identity.
    • Automated Lifecycle Management: From instant disbursement to automated collections via airtime or mobile wallets, we handle the “boring” stuff so you can build the “amazing.”
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Don’t Just Provide the Connection. Provide the Opportunity

We’ve spent nearly a decade in 20+ countries perfecting a journey that feels invisible to the user but indispensable to their life.

  • The Spark: A customer wants a new device but is short on cash. They see the “Pay Later with [Your Telco]” option.
  • The 2-Second Invite: They enter their number. Our engine checks their 5-year history with you in the background.
  • The Approval: A push notification arrives: “You’re pre-approved! Pay just 10% today.”
  • The Tap: They confirm with their existing PIN. No forms, no waiting, no friction.
  • The Growth: As they pay back, their limit increases, turning a one-time shopper into a lifelong financial partner.