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OneFi成为非洲第一家获得信用评级的金融科技公司

专栏国际资讯

OneFi成为非洲第一家获得信用评级的金融科技公司

Paylater是尼日利亚首屈一指的数字金融服务平台,专门从事消费者信贷。

近日,该公司的母公司One Finance Limited (简称OneFi)宣布成为非洲第一家获得全球信用评级公司(Global Credit Rating Co.)评级的金融科技公司。在一份声明中,公司表示已经获得"BB"评级,前景稳定。目前,公司未来发展方向是提高信贷服务的透明度。

全球信用评级公司是非洲领先的评级机构,非洲绝大多数评级都是由该机构完成的。报告分析了包括风险管理、流动性定位、借款和受控资本在内的主要财务和运营因素。全球信用评级公司分析认为,比照当前风险水平,OneFi资本充足,流动性风险较低,符合具有稳定前景的"BB"评级标准。

OneFi首席执行官Chijioke Dozie对此表示,"获得评级的过程十分严格,需要全力以赴,但是最终对公司来说收益颇丰。通过这一过程,我们得以审视财务和业务模式,做到面向利益相关方和Paylater在尼日利亚的数万名客户完全透明。"

"工作不会就此终止。OneFi是一家年轻的公司,也是第一家获得信用评分的非洲金融科技平台,能获得稳定展望的"BB"评级,大家都很高兴,这一结果公正地反应了公司目前的位置。公司专注于拓展产品、提高资产质量、提升客户贷款申请,探索如何将创新方法应用于财务管理以及其他市场。"

尼日利亚金融企业家Chijioke和Ngozi Dozie于2016年创办了Paylater,提供无需人工介入、不受偏见影响决策的一站式贷款。申请人在贷款获批5分钟内就可以收到贷款。这家信贷即服务公司的目标是成为一站式商店,通过一个平台满足尼日利亚消费者的所有金融需求。到目前为止,Paylater应用程序下载量已超过100万,每天批贷超过1575笔,平均打款时间为12秒,平均贷款金额为80美元,贷款期限为3个月。公司恪守透明度承诺,自9月起,无论是否批贷,贷款平台都为每位Paylater贷款申请人提供免费的、包含全部正面和负面数据的信用管理部门报告。迄今为止,该公司已与客户共享了超过6万份报告。

Chijioke Dozie最后表示,"尼日利亚中央银行(CBN)目前正在修改针对尼日利亚金融服务提供商和金融科技平台的许可制度,这一领域将会更有章法、更有序,现在是OneFi迈出积极一步、获取信用评级得分的最佳时机,因为我们致力于建立一个合法、可信赖的贷款品牌。我们会与尼日利亚其他主要金融机构保持同样的透明度和审查水平。"

One Finance Limited [OneFi], the company behind Paylater, Nigeria’s leading digital financial services platform that specialises in consumer lending, earlier today announced it has become Africa’s first fintech company to secure rating from Global Credit Rating Co.

In a statement made available to TechCity, the firm said it is has been assigned a “BB” rating with a Stable outlook, from Global Credit Rating Co..

Now, it looks to increase transparency around its credit and lending service.

Global Credit Rating Co. is Africa’s leading ratings agency, accounting for the majority of all ratings accorded on the African continent. The report analysed key financial and operational factors including risk management, liquidity positioning, borrowings and capital under management. In arriving at this rating of “BB” with a Stable outlook, Global Credit Rating Co’s analysis found that OneFi is well capitalised vis-a-vis its current risk level, and also highlighted the fact that the company currently has a low liquidity risk.

Commenting on the news, Chijioke Dozie, OneFi CEO says, “The entire process of securing this rating from Global Credit Rating has been rigorous, testing, but ultimately, hugely beneficial for the company. It has allowed us to scrutinise our finance and business models, as well as provide full transparency not only to our stakeholders, but to Paylater’s tens of thousands of customers across Nigeria.

“The work does not stop here. We are a young company, and the very first African fintech platform to be awarded with a credit score, and whilst we are pleased with our “BB” rating and Stable Outlook, which we believe fairly reflects our current standing, we are now focussed on expanding our product offering, improving our asset quality, driving up customer loan applications and looking at ways in which we can bring our innovative approach to finance management to additional markets”.

Paylater, launched in 2016 by Nigerian finance entrepreneurs Chijioke and Ngozi Dozie, provides hassle-free loans without need for human intervention or bias in decision making. Loans are disbursed to applicants account within 5 minutes of approval. The credit-as-a-service company aims to be a one-stop-shop where all the financial needs of the Nigerian consumer can be met through one platform. To-date, the Paylater app has been downloaded over 1 million times with over 1,575 loans approved daily. The average disbursement time is 12 seconds and the average loan borrowed is $80 with a 3 month loan tenor. As part of its ongoing commitment to transparency, the lending platform has, since September, provided each Paylater loan applicant with a free credit bureau report, irrespective of decision, with 100% reporting of positive and negative data. To date, the company has shared over 60,000 reports with customers.

Chijioke Dozie concludes, “With the Central Bank of Nigeria [CBN] currently revising the Licensing Regime for finance providers and fintech platforms in Nigeria, and with more formality and regulation surrounding the sector, this was the right time for OneFi to undertake the positive step of securing a credit rating score, as we work to build a legitimate, trusted lending brand. We are now held to the same levels of transparency and scrutiny as other leading financial institutions in Nigeria”.

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