2022年12月7日

非洲credit-led neobank Finclusion集团提出了额外的200万美元的股权融资正式重新树立鳍,该公司在一份声明中说与TechCrunch共享。fintech此前1月宣布,它使用人工智能算法为非洲客户提供金融服务通过一个数组credit-centric产品上调2000万美元的债务和股本项目前期融资。鳍也提出了2000万美元的债务工具从新兴市场债务提供者可借贷的2021年9月,将股票和债券的总资本获得了4200万美元。/声明,现有投资者伦纳德领导的新的股权融资——Stiegeler,世卫组织还加入公司的董事会连同Sudeep Ramnani洁和Mahtani——将用于添加新的、完全集成的地区业务,以及开发新产品,特别是在第三方支持的小额信贷银行想提供更多的金融服务。非洲客户急需的信贷。但从长期的角度来看公司提供贷款,很难与其他银行竞争提供存款和投资,金融服务,任何银行支持多年的客户的信用历史,可以有效的交叉销售。鳍,自2018年以来,从其他信誉第一neobanks,建立了面向消费者的信贷产品关闭信贷缺口的国家运作,包括坦桑尼亚、纳米比亚、南非、Eswatini和肯尼亚。它的产品也多样化。SmartAdvance,鳍,通过雇主的伙伴关系,为员工的财务状况提供了解决方案。其工资流媒体产品提供了工资贷款和未来工资贷款,员工可以将贷款从他们的工资,扣除他们从工资和借老板的关系。 There’s an insurance product too, with savings products, cards and buy now, pay later offerings via a merchant network, still in the pipeline. Fin With this rebrand, subsidiaries across its core markets have also been renamed: Fin Kenya (formerly TrustGro), Fin Tanzania (formerly Fikia Finance) and Fin South Africa (with its products now being SmartAdvance by Fin, NiftyCredit by Fin, NiftyCover by Fin, MediFin and e-Fin). Fin’s plan is that the consolidation of its footprint across Africa under this identity will accentuate its ambition to dominate the neobank space across Eastern and Southern Africa, which has seen players such as TymeBank, Kwara, Koa and Fingo emerge in recent years. “Our cross-selling experience was limited when we first launched,” co-founder and co-CEO Timothy Nuy told TechCrunch over a call. “So effectively through this integration, everything becomes Fin. Someone will log into his Fin South Africa platform, and effectively get access to all the financial services we offer in that country that they need, which makes it easier to drive repeat engagement and to ensure that customers have full visibility of our offering, but also the financial products they have outstanding.” In the last couple of months, Fin has improved its numbers. For instance, its loan book has increased by 30% from last year, with over 40,000 unique customers, said Tonderai Mutesva, the startup’s other founder and chief executive. They pay interest of 24-42% APR depending on the product type and market. Default rates of its loans still fall between 7-8%, but Mutesva said the fintech is working to get that down to about 3%. What’s next for the brand? A planned expansion into new markets next year, then offering services to microfinance banks that will enhance their value proposition to customers; for instance, better credit or saving tools. The technology behind this offering will be known as Fin Connect and is supported by Fin’s earlier acquisition of the microfinance technology services provider Awamo. Finally, Fin says it will continue supporting adjacent businesses in the space through its venture portfolio, one of which is Kenyan insurtech platform m-Tek . “The real goal is to rethink what we need to do in 2023, integrate all the brands, and continue just scaling up our loan portfolio as well as bring more of these businesses to break even on an operating profit basis,” said Nuy. “When it comes to capital raising, we’ll conduct a bigger capital raise probably towards the end of 2023.”