We provide comprehensive lending solutions tailored for telecom operators. Our services include airtime credit, which ensures customers stay connected even when funds are low by offering credit for airtime that can be repaid later.
We also facilitate microfinance through telecom networks, allowing users to access small loans directly via their mobile devices, promoting financial inclusion for those without traditional banking access.
Additionally, our device finance solutions enable customers to purchase new devices through manageable installment plans, partnering with banks and telecom operators to offer end-to-end services including loan management and device locking technology for security and compliance.
PhotonMatters' advanced technology ensures these services are delivered efficiently and securely, enhancing financial inclusion and customer satisfaction in the telecom sector.
On the banking and financial front, in conventional lending, we offer a comprehensive platform designed to enhance conventional lending for banks and financial institutions.
Our platform features a dynamic rule engine and automated risk assessment tools for precise credit evaluations, leveraging diverse data sources.
We facilitate loan product creation, restructuring, and real-time reporting through an intuitive interface. The system seamlessly integrates with credit bureaus and open banking systems, ensuring efficient payment processing and collections management.
Additionally, our platform supports regulatory compliance, provides dedicated customer service portals, and offers robust loan life cycle management, including disbursement, repayment tracking, and delinquency handling. By streamlining these processes, PhotonMatters empowers financial institutions to deliver secure, efficient, and customer-centric lending services.
Our platform provides comprehensive solutions for power and utilities companies, enabling the restructuring of accrued outstanding amounts into amortized equated installments for flexible payments.
Our platform supports smart meter voucher recharge and credit advance management, allowing customers to efficiently manage their utilities. Key features include automated notifications for due dates and payments, advanced credit scoring, and real-time reporting for enhanced financial oversight.
Additionally, our system ensures non-payment meter locking to encourage timely payments and reduce defaults. These features, combined with our advanced lending solutions, empower utilities to optimize financial processes, improve cash flow, and enhance customer satisfaction.
Our supply chain finance solutions cater specifically to the manufacturing and distributor model through an anchor-led finance approach.
This model ensures that suppliers receive timely payments, bolstering cash flow and operational efficiency across the supply chain.
Our platform facilitates the onboarding and KYC (Know Your Customer) processes for distributors, streamlining their integration into the financial ecosystem. Key features include real-time invoice analytics and automated approval processes, allowing for quick and accurate financial decision-making.
Our system supports flexible financing options, loyalty-based discounting, and comprehensive risk management tools to ensure secure transactions. We offer robust integration capabilities with existing ERP systems, enabling seamless data flow
