Buy Now, Pay Later - Stress-Free Convenience Awaits

From effortlessly tracking transactions to empowering seamless repayments, our platform simplifies every step, ensuring convenience and control for both businesses and customers.

Placeholder image

Flexible product architecture to fit into existing tech stack

Our ML driven decision engine has been deployed by many


Naira Credit Cards


Buy Now; Pay Later


Digital Advertising


Products Analytics


Digital Credit


Merchants Cash Advance


SME Working Capital

Customer Success

What makes our product stand out amongst others

Insights in less than 2 minutes
< 0 Mins
Bank statements processed
0 k+
Active merchants
0 +
Success rate
0 %

Trusted by businesses driving inclusive credit

Partner logo
Partner logo
Partner logo
Partner logo
Partner logo
First Bank logo

Start transforming your loan origination process with Decide

Our products are designed with an informed understanding of everything your business needs to mitigate risks, grow, scale, and win the hearts of your customers.

Got Questions?
Reach out to us

Here are answers to some frequently asked questions. For more answers regarding our products or services, feel free to book a call with our experts.

Do you give out loans?

No, we do not give out loans. This is our most common question. What we do is provide the platform for credit providers to give out loans efficiently.

How do I join the Indicina team?

We are always looking our for exceptional talent like you. Please visit our careers page to see openings and apply for the role that you think is best suited for you.

What businesses can use Indicina’s products?

Our products serve a wide-range of businesses that offer credit. From banks to digital lenders, MFBs, and startups. We serve the needs of all businesses and their sizes.

Is Indicina open to partnership opportunities?

Of course! We are currently driving the growth of the credit ecosystem, and are always interested in other ways we can further contribute to this growth. Please send an email to, and we’d pick it up from there.