Mobilise deposits
Bring daily and group savings into clearer bank-linked records.
The Banking Opportunity
These customers already earn, save and borrow. The opportunity is to convert their existing financial discipline into formal deposits, reliable data and bankable credit relationships.
Bank growth workflow
Convert existing savings discipline into formal deposits, reliable data and bankable credit relationships.
Build data
Turn contribution history into repayment and credit-readiness signals.
Prepare credit
Package MSME and group-backed files for formal bank review.
Grow relationships
Support deposits, lending and diaspora banking under bank approval.
Low-cost deposit mobilisation
Reach millions of informal savers through existing ibimina, cooperatives and community networks.
- Mobile app and USSD access
- Member and group accounts
- Purpose-based savings
- Automated ledger reconciliation
Daily-income lending and repayment
Collect helps banks design loans around how customers actually earn rather than forcing daily earners into a monthly salary model.
- Daily or periodic micro-repayments
- Up to 365 repayment data points per borrower annually
- Earlier visibility of repayment stress
- More accurate portfolio monitoring
Group-backed and diaspora lending
Verified group savings can provide an additional risk-control layer for eligible lending, including diaspora savings-to-credit models subject to bank policy and approval.
- Bank-held savings collateral
- Group accountability
- Contribution history
- Purpose-controlled disbursement
Stronger MSME credit origination
Collect Credit Readiness-as-a-Service prepares applicants before formal bank review so credit teams receive more complete, structured and decision-ready MSME files.
- Requirement mapping
- Business-document checklist
- Gap closure before bank review
- Cleaner applicant summary
A large savings and credit market already exists, mostly outside formal banking.
Growth Engines for Banks
Reach millions of informal savers through existing ibimina, cooperatives and community networks.
- Daily and periodic microsavings
- Mobile app and USSD access
- Member and group accounts
- Purpose-based savings
- Automated ledger reconciliation
- National community mobilisation
Monthly repayment structures often do not match informal-sector cash flow. Collect helps banks design loans around how customers actually earn rather than forcing daily earners into a monthly salary model.
- Daily or periodic micro-repayments
- Up to 365 repayment data points per borrower annually
- Automated split between repayment and savings
- Reduced branch and collection-agent dependence
- Earlier visibility of repayment stress
- More accurate portfolio monitoring
Verified group savings can provide an additional risk-control layer for eligible lending. For diaspora banking, group savings can remain with the regulated country partner bank, with an agreed portion pledged for loans to eligible members subject to the bank's credit policy and approval.
- Bank-held savings collateral
- Group accountability
- Contribution history
- Purpose-controlled disbursement
- Daily repayment visibility
- Credit-life or income-protection cover
The addressable Rwandan diaspora market is 300,000+ people across Europe, the United Kingdom, North America and other corridors. Collect's diaspora proposition is a regulated-country-bank savings and secured-credit model.
Collect's Credit Readiness-as-a-Service prepares applicants before formal bank review, helping credit teams receive more complete, structured and decision-ready MSME files.
- Initial eligibility and requirement mapping
- Business-document and financial-record checklist
- Contribution, savings and repayment-history packaging
- Gap closure before formal bank review
- Cleaner applicant summary for credit teams
- Less rework between customer, adviser and bank