Outperforming all the local competition with fair, fully digital crediting CASE STUDY Joao Omega Co-Founder & CEO Founded: Headquarters: Lending model: Product: TurnKey Lender Unified Lending Management Solution 2019 Mozambique Personal loans BACKGROUND The Mozambique crediting sector is dominated by government banks and loan sharks that stick to the aggressive collection approaches. As a result, the general public doesn’t have access to affordable credit products on fair terms. In 2019, Tchela Male’s co- founders decided to fix this issue once and for all. The team researched the lending automation market to choose the optimal provider in terms of price, intelligence, scalability, and flexibility. Having analyzed nine e-lending solutions, the team agreed that the only solu

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