A leading microfinance institution approached Code4Genius with a common but expensive problem: their loan disbursement process was manual, fragmented, and slow. Customers waited up to 48 hours to receive funds after approval, and staff were overwhelmed by paperwork.
The diagnosis
We mapped the entire journey from application to disbursement and found three bottlenecks: disconnected identity verification, slow credit decisioning, and batch-based M-Pesa transfers run at the end of each business day.
The solution
- Integrated KYC verification with government ID and selfie matching
- Built a real-time scoring engine using repayment history and alternative data
- Automated M-Pesa STK push and B2C disbursements with instant reconciliation
- Created a monitoring dashboard for operations and compliance teams
The results
Within three months of launch, average disbursement time dropped by 80%, default rates fell by 15%, and customer satisfaction scores improved significantly. The platform now processes thousands of loans daily with minimal manual intervention.