Stears Data

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Fintech Lenders: Access and Distribution Channels

List of active fintech consumer lenders in Nigeria. It captures the lending conditions, access methods, disbursement, repayment, mitigation, and risk assessment.

source

Stears Data

last updated

November 2020

no. of rows

size

8.6KB

This table shows a snippet from the dataset.

Company	Primary Business Model	Classification of Lending Transaction	Maximum Tenor (months)	Maximum Interest Rate (monthly)	Maximum Lending Amount	Access via USSD/SMS/Call	Access via App	Access via Website	Access via Branch	Disbursement via Bank Account	Disbursement via e-Wallet	Disbursement via Platform Card	Repay via Direct Debit or Standing Payment Order	Repay via Cash or Over-the-Counter	Repay via Website or App	Repay via ATM	Repay via Cheque	Repay via USSD/SMS	Remedial Action via Credit Bureau	Remedial Action via Legal Action	Remedial Action via Blacklist	Remedial Action via Contact Guarantor	Remedial Action via Debt Collection Agency	Remedial Action via Contact Employer	Remedial Action via Charge	Remedial Action via Name & Shame	Risk Assessed via Credit History Check	Risk Assessed via Phone Records or Alternative Data	Risk Assessed via Employment Check	Risk Assessed via Other Alternative Data	Affiliate Institution (e.g. Bank, Telco)	Does the company use ML technology?
Access Bank Personal Loan	Commercial Bank	Platform to Customer	6	N/A	N/A	Yes	Yes	Yes	No	Yes	No	Yes	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	Yes	No	Yes	No	No	No	Access Bank	No
Access Bank Salary Adavnce	Commercial Bank	Platform to Customer	3	N/A	N/A	Yes	Yes	Yes	No	Yes	No	Yes	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	Yes	No	Yes	No	No	No	Access Bank	No
Access Pay day Loan	Commercial Bank	Platform to Customer	1	0.0515	75% of Monthly Salary	Yes	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	No	No	No	No	No	No	Yes	No	Yes	No	Access Bank	No
Aella Credit	Short Term Financing (tenor max 12 months)	Platform to Customer	3	0.07	4000000	No	Yes	Yes	No	No	Yes	No	Yes	Yes	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	Yes	Yes	No	No	None	Yes
ALAT	Digital Bank	Platform to Customer	24	N/A	N/A	Yes	Yes	Yes	No	Yes	No	Yes	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	Yes	No	Yes	No	Wema Bank	Yes