Difficulty Tracking Borrowers' Locations and Due Diligence Data
A Dynamic Electronic Client Due Diligence system collects relevant borrower information, ensuring continuous location traceability.
Financing and Digital Payment Solutions
Temba operates a platform — in collaboration with financial institutions — that delivers sustainable financing solutions and digital payment infrastructure.
Temba enables vendors to collect payments from their customers through the TembaPay payment solution, and facilitates access to credit by individuals directly or through their groups.
Temba's Core Capabilities
Payment Solutions (TembaPay)
- TembaPay enables vendors, traders, artisans, and businesses to collect payments from their customers seamlessly.
- TembaPay consolidates the major digital payment solutions across the markets it operates in, into a single unified platform.
- Borrowers and businesses also use TembaPay for cash payments, collections, rent, and utility payments — establishing a verifiable financial footprint.
Credit and Financing
- Temba facilitates access to credit for individuals directly and through their groups.
- Loans are underwritten using a dynamic, data-driven credit system.
Challenges Temba Addresses
Challenges
Solutions
Limited Real-Time Data on Borrower Financial Behaviour
A digital system collects borrower financial behaviour data, enabling fast, scalable credit decisions.
Limited Ability to Identify Potential Defaulters Early
- Field agents collect and validate financing needs, with underwriting performed on Temba's digital platform.
- A digital early-warning signal system proactively identifies at-risk borrowers and triggers timely recovery strategies.
Reliance on Borrowers' Good Faith for Repayment Deposits
Borrowers are required to use TembaPay as the sole cash collection channel for their businesses, ensuring all collected cash flows through a traceable digital platform.