Airtime Credit

Keep customers connected at all times—and avoid the risk of losing them during app usage—by instantly offering airtime credit if they run out of pre-paid load. Our AI-powered algorithms ensure that credit is offered in real time to those who satisfy your credit score requirements. Additionally, the amount of credit offered is aligned with previous usage and behaviour. The cost of retaining customers is significantly more affordable than acquisition costs, so why not take extra steps to ensure that your customers can talk for longer?

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Automated Micro-Loan Offers to Mobile Money Users

Use CredoScore’s AI credit scoring technology to automate the assessment and disbursement of micro-loan offers to mobile money users.

Foster Engagement with Existing Customers

Add new recurring revenue streams by allowing pre-paid subscribers to receive airtime value in credit to extend their talk time when they run out of balance.

Build Loyalty

Reduce churn rate by enabling continuous connections for pre-paid customers while encouraging monetization via relevant plan offerings.

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The vanguard of CredoLab's family of credit risk management products that increases application approval rates while keeping negative rates under control.


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Simple, plug-&-play solutions working in conjunction with our products, such as the white label app & SDKs, to provide seamless digital onboarding experiences.

Embedded Scoring

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An Analytics-as-a-Service platform using data and insights from privacy-consented data sources to provide a simple, ready-for-action profitability plan.