Global Risk Management
and Digital Debt Collection Operating System
for the New to Credit
25 Million+
Loans secured
US $7 Billion+
Loan value secured
Digital Drives Efficiencies, Datacultr Drives Digital
Datacultr is a SaaS platform focused on the new-to-credit segment. As traditional collection methods continue to decline in effectiveness and drive up costs, Datacultr enables lenders to serve all customer segments profitably.
This approach is relevant for both low- or no-score customers, who are caught in a vicious cycle: lacking data, credible documentation, and collateralizable assets. If any credible data were available, financial institutions might have already offered them relevant products. That’s where Datacultr’s device financing platform comes in, providing a viable alternative for lenders by using the borrower’s smartphone to help reduce perceived risk.
Additionally, in times of declining right-party contacts and increasing customer adoption of digital technology,
Datacultr is making this segment viable by:
- Bringing down costs
- Driving efficiencies in traditional collection processes
We at Datacultr Empathise Emphasise Educate
Mitigate Risk with Engagement and Device Lock Technology
Datacultr’s smart device locking technology empowers lenders to manage risk on financed smartphones.
When payments are missed, the device lock is activated, motivating borrowers to take action while still allowing access to essential functions. Combined with our engagement models and digitized collection processes, this prompts timely repayments, builds positive financial habits, and influences the borrower’s ‘intention to pay.’
Datacultr’s device lock solution works seamlessly across a wide range of devices and gives lenders the confidence to scale device financing without increasing risk exposure.
Transformational Impact
First Month Defaults
Non-Performing Loans
Debt Collection Efficiency
Loan Approvals
Drive Credit Decisioning with Device Financing Solutions
Financial institutions, telecom operators, retail chains, and fintech that provide smartphone financing, such as Buy Now Pay Later, microloans, nano loans, and other unsecured loans, use Datacultr’s innovative digital platform to increase loan approvals among customers in the 0 and -1 credit segments.
Smartphones are essential tools for livelihood and access. In the absence of alternative data, using the borrower’s smartphone as a virtual asset becomes a critical factor in lenders’ decision-making.
Automate the entire loan lifecycle.
GDPR compliant, ISO 27001-2013 & SOC2-Type 2 certified.
Digital formats that contact the device, not the mobile number.
Carried out at the retail store or by the customer.
Welcome to the 100% Club
Datacultr’s promise:
100% Contact-ability: Reach your customer even if they’ve changed their number.
100% Actionability: Send messages that prompt borrowers to take immediate action.
100% Deliverability: Delivery confirmation with a timestamp for every message.
100% Safety: Ensure every interaction is authenticated and secure. No spam, no unknown numbers.
100% Measurability: Track every interaction, engagement, and outcome to optimize performance and impact.
How Datacultr Works
From first‑touch to full recovery, every financed device becomes smart collateral.
Onboard
First‑time borrowers learn their repayment responsibilities through in‑app guidance modules, right from the start.
Communicate
Keep the engagement positive yet persistent via direct device notifications so no payment date goes unseen.
Monitor
Real‑time behavioral analytics flag missed or late payments, suspicious location changes, or fraud patterns.
Recover & Reinforce
Once repayments are complete, devices regain full functionality. Persistent delinquencies trigger device lock.
Unlock Seamless Solutions with Datacultr: Your All-In-One Platform
Secure, device-driven solutions to empower financial inclusion and expand access for “new to credit”.
API-Driven for Efficient Lifecycle Automation
Automate the entire loan lifecycle with flexible APIs.
Embedded Payments for Seamless Transactions
Pay via apps, wallets, web, and USSD.
No Personally Identifiable Information Captured
GDPR compliant, ISO 27001-2013 & SOC2-Type 2 certified for data security.
Preview messages, manage users, and access chatbot support.
Multiple Layers of Security
With advance offline features
