Geni is building a credit infrastructure services platform that combines all the capabilities and tools needed by lenders to profitably expand the growth of their lending books
The African financial landscape presents a mix of unique challenges and opportunities, shaped by the continent’s diverse economies, populations, and infrastructures. As in many other frontier markets worldwide, financial inclusion and economic growth are inextricably linked with technological innovation, regulatory complexities and the realities of the informal economy. Some 65% of Africa’s population remains unbanked or underbanked, limiting access to formal financial services, including credit – the credit gap between demand and supply exceeds $1 trillion.
At the same time, Africa has a young and rapidly growing population with high mobile phone penetration, even in remote areas, and a rise in e-commerce platforms, particularly in urban centres. Several African governments are actively promoting financial inclusion and digitisation, offering support for fintech innovation and regulatory reform. Fintech innovation, including mobile money and mobile banking, fintech apps and collaborations between established financial institutions and fintech firms offer opportunities to bridge the gap between traditional and digital banking services.
Geni was founded on the idea that a multi-national, collaborative technology platform could enable lenders of all types in their transition towards digital credit provision. Rather than start from scratch, Geni is investing in several leading credit infrastructure businesses across Africa coupled with hiring global management and technology talent to accelerate platform build-out. This unique blend of local experience, relationships and track record, with international talent, modern tech and capital, is being developed to get entrepreneurs and lenders the solutions they need to innovate, scale and see faster results.
We want to unlock the next $1 trillion of frontier market credit, partnering with banks, microfinance and cooperative lenders, digital lenders, e-commerce players and supply chain entrepreneurs.
Operating an integrated, technologically-advanced global platform and ecosystem, Geni provides powerful credit infrastructure solutions, risk management and information services to build a future where everyone can have access to affordable and convenient credit, regardless of their location or socioeconomic status.
Geni has assembled a best-in-class management team with extensive experience in financial services, financial technology, technical proficiency in credit bureaus, analytics and fintech operations, and a strong background in emerging markets.
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