Introducing Decide Co-pilot — AI-Powered Analytics Assistant for Credit Providers

One of the most significant challenges in credit decisioning is the reliance on limited and often generic data points for decisioning. Most decisioning engines offer a one-size-fits-all approach, which doesn’t cater to the unique needs of each business, making credit providers perform manual calculations to capture niche financial insights. This limitation can lead to less […]

Introducing Custom Form Builder: Tailored Loan Application Experiences for Lenders


In the ever-evolving landscape of lending, one thing remains constant: the need for innovation. Today, we’re excited to announce an innovative solution that is set to transform your lending operations, and elevate the experience for both you and your borrowers. Say hello to Custom Form Builder in Originate — an industry game-changer designed to empower lenders in Africa. The […]

Meet the Spool Feature — Decide’s Native Customer Data Retriever

Indicina team

Enabling merchants embrace alternative data for credit decisioning as opposed to the traditional data they are used to, has proven highly effective in reducing defaults and hastening the decisioning process. In using Decide to keep up this momentum, we have discovered that there are still several redundant tasks slowing down the progress of merchants. For […]

Introducing the Decide 🤝 MBS Integration


As a credit infrastructure provider, it is our job to pay attention to market best practices, the market preference, and the most effective way for credit providers to achieve their top goal — approve applications without defaults. With this in mind, we are excited to share that we have integrated mybankStatement (MBS) into the Decide […]

Introducing the Decide Subscription Model: Experience More Value, Transparency, & Flexibility


At Indicina, we believe that building trust goes beyond providing great products and services. It’s about truly understanding our customers’ needs, listening to their feedback, and growing together. That’s why, after careful consideration and reflection, we are thrilled to unveil a significant update to our pricing model — a transition from pay-as-you-use to a subscription […]

How Digitising Your Lending (Disbursement) Improves Customer Conversion


The rise in digital technologies has raised customers’ expectations of financial services and lenders. For today’s customers, the traditional loan processes are lengthy and tedious. They expect lenders to process loans and disburse funds quickly. And very often, this expectation in addition to the interest rate is considered a primary criterion when choosing a lender […]

New Credit Decisioning Data: Detect Your Customer’s Free Cash Flow in Decide


Enhancing Decide’s data source for improved credit decisioning accuracy, such that risk concerns become almost non-existent for credit providers, remains key for us at Indicina. In line with this, we are excited to announce our latest update, which will help you identify how much Free Cash Flow (FCF) a borrower can conveniently pay back. The […]

New: OTP Delivery to DND Numbers Activated in Originate


To protect subscribers from unsolicited messages, the NCC (Nigerian Communication Commission) put a DND service in place. DND which simply means Do-Not-Disturb gives subscribers the freedom to choose what messages they want to receive from various networks. This service which is activated by users at no cost, has posed a challenge for many lenders as […]

We’re excited to announce our $3 Million Seed funding

Article 9

A message from our CEO’s desk Indicina is one of the pioneers of products designed to enable lenders unlock economic inclusion for African businesses and consumers. Almost three years later, and we are continuing our mission to deliver on this promise as we’ve become a leading provider of ML-driven financial analytics. We’ve also tripled our customer […]

Meet Decide v3: New Data Variables, Improved Decisioning and Better Performance 🚀


Focused on driving credit inclusion and ensuring that the underserved get credit access through our APIs designed for lenders, we are excited to share that Decide v3 is live. Decide v3 comes with updates that will further mitigate your credit risk, help you better identify the right people for disbursements, improve your collections, and expand credit inclusion […]

Getting Started As A BNPL Service Provider — 5 Key Things You Need to Know


The future of credit is here. It’s Buy Now Pay Later, and it is here to stay. Even better, consumers are here for it. Before we dig deeper though, in this article, we touch on the following concerning Buy Now, Pay Later: Moving ahead… According to the Q4 2021 BNPL Survey, BNPL payment in Nigeria […]

INside Indicina with Ladi — Engineering Manager

Introduction: INside is an in-house feature of the amazing talents at Indicina. At Indicina, we believe that our people are more than the roles/titles that they hold, and we want to be able to shine a light on that through this feature. INside captures who Indicina employees are beyond work. For our first episode, Chisom […]

How Lenders Can Give Instant, Risk-free Loans to Borrowers


Lending is a risky business. Lenders can’t “take risk and succeed” their way into giving loans. Secretly, lenders probably wish they could, but the reality is that they run the huge risk of running down their business and having the Central Bank of Nigeria (CBN) clamp down on them for accumulating too many loan defaults. […]