Community
Swap ideas and ask questions with lenders and builders using the platform.
Take applications, score borrowers, disburse and collect repayments from one platform, without building the infrastructure yourself.
Request a demo
Pick the products you need today and add more as you grow. Each one works on its own and even better together.
Launch a branded web and mobile loan app. Borrowers apply, upload documents and sign offers online, and you disburse straight to their bank account.
Learn more about OriginateSet your own lending rules and scoring models. Decide checks each applicant against them, pulls bureau data, and returns an approve, decline or review result.
Learn more about DecideAdd a pay-later option to your checkout or point of sale. Shoppers split the cost into smaller payments, you get paid upfront, and repayments collect automatically.
Learn more about BNPLFrom the first sign-up to the final repayment, every step runs on the same platform, so your team and your borrowers never have to switch tools.
Swap ideas and ask questions with lenders and builders using the platform.
Guides, reports and case studies on running a profitable lending business.
API references and SDKs to integrate lending into your own product.
We're a remote-first team of engineers, designers and lending experts. If you want to build products that change how people borrow, we'd like to meet you.
View openingsBook a 30-minute call with our team. We'll walk you through the platform, answer your questions and help you plan your launch.
Request a demoMost lenders launch within two to four weeks, depending on how much you customise your loan products and integrations.
Yes. You'll need the licence required in your market to lend. Our team can point you to the right regulator and requirements.
Yes. You set the eligibility criteria, scoring weights and limits. Decide applies them to every application.
You pay a monthly platform fee plus a small charge per active loan. Request a demo and we'll share a quote for your volume.
Originate gives you a branded loan app, a back office for your team, and automated disbursement and collection, all ready to go.
Request a demoSet up the products you want to offer and change them whenever you need to.
Set amounts, tenors, interest rates, fees and eligibility for each product, without writing code or waiting on a release.
Automated checks, approvals and repayments mean your team handles thousands of loans with the same effort as a few hundred.
Every application, decision and payment is logged, so you can produce reports for regulators and your finance team in minutes.
Our team works with you through each step, from setup to your first loan.
Originate in numbers
See Originate with your own loan products in a live demo, or check the plans to find the one that fits your volume.
Book a 30-minute call and we'll walk you through the product, answer your questions and help you plan your launch.
Request a demoMost lenders go live in two to four weeks. The timeline depends on how many loan products you set up and which integrations you need.
Yes. Your loan app uses your logo, colours and web address, so borrowers only ever see your brand.
Originate connects to major Nigerian banks and payment processors for disbursement and collection. Our team will confirm the options for your setup on a call.
Yes. You can connect your core banking system, CRM or data warehouse through our APIs and webhooks.
Decide pulls bank and bureau data, analyses it and scores every applicant in seconds, so you lend to the right people.
Request a demoBetter data means fewer bad loans and faster approvals.
Applicants get an answer while they wait instead of days later. That speed keeps good borrowers from going to another lender, and it frees your team from reviewing every file by hand.
Checks on income, spending and credit history catch risky applications before you disburse.
Clear reasons come with every decision, so officers can explain outcomes to borrowers.
Connect your data sources, set your rules and start scoring applicants. Our team helps at each step.
Decide in numbers
See Originate with your own loan products in a live demo, or check the plans to find the one that fits your volume.
See Decide score real applications in a live demo, or compare plans to find the one that fits your volume.
Book a 30-minute call and we’ll show you how Decide fits into your lending process.
Request a demoBank statements, credit bureau reports, open banking providers and CSV or PDF statements you upload yourself.
Yes. Decide works on its own through the dashboard or API, and connects to the loan system you already use.
You buy credits and spend them on each analysis or check. The pricing page lists the credits for each one.
Yes. Data is encrypted in transit and at rest, and we are PCI DSS compliant and NDPR certified.
Add a pay-later option to your online checkout or store. Shoppers split the cost into smaller payments, you get paid upfront, and Indicina handles credit checks and collections.
Request a demoPay later works for your business, your customers and your lending partners.
Shoppers buy more when they can spread the cost. You get the full amount upfront, so offering pay later doesn’t hurt your cash flow.
Customers get what they need today and pay in instalments they can afford.
Lend at the point of sale, with every applicant checked by Decide before approval.
Our team sets up your programme with you, from plan design to your first order.
BNPL in numbers
See Originate with your own loan products in a live demo, or check the plans to find the one that fits your volume.
See how pay later works for your store in a live demo, or compare plans to find the right fit.
Book a 30-minute call and we’ll help you plan your pay-later programme.
Request a demoMerchants receive the full order amount upfront, usually within one working day.
The lender funding the programme carries the credit risk, not the merchant. Every shopper is checked before approval.
Yes. Shoppers can apply on their phone at the till, or your staff can start the application from a tablet.
The plugin works with common e-commerce platforms, and our API works with any custom checkout.
Book a 30-minute call and we’ll help you pick the right plan for your lending volume.
Request a demoCredits are how Decide is billed. Each analysis or check uses a set number of credits, listed in the pricing structure.
Yes. You can move up or down a plan at any time, and the change applies from your next billing month.
You can buy more credits from your dashboard at any time, so your checks never stop.
We offer a free sandbox so you can test Decide with sample data before you pick a plan.
Millions of people across Africa are creditworthy but have no way to prove it. Lenders don’t have the data or tools to assess them, so good borrowers get turned away and loans cost more than they should. Indicina was started to change that, by giving lenders the data, credit decisions and lending software they need to say yes to more people.
Building the infrastructure for credit in Africa
To make credit fair and accessible for everyone, by helping lenders understand their customers and make better decisions. When lenders can see the full picture, more people get the loans they need to grow their businesses, pay for school and handle the unexpected.
We build around what lenders and borrowers actually need, and we measure success by their results, not ours.
Credit decisions affect people’s lives. We make sure our data is accurate, secure and used fairly, and we explain how our models reach their decisions.
Lending is complicated enough. We make tools that are easy to set up and easy to use.
We take responsibility for our work and follow through until the problem is solved.
We test ideas, learn from what doesn’t work and keep improving.
From the first application to the final repayment, our products cover every step of lending. Use them together or pick the ones you need.
Whether you’re a lender, a partner or someone who wants to join the team, we’d like to hear from you.
Request a demoOur team works across Nigeria and remotely, serving lenders across Africa.
We hire across engineering, data science, sales and operations. See our open roles on the careers page.
Yes. We work with banks, fintechs, data providers and merchants. Book a call to talk about a partnership.
Send media enquiries through the contact page and our team will get back to you.