About INOVA DIGITAL

The digital & AI division of INOVA DIGITAL SERVICES SARL. We transform your business with innovative AI solutions, modern web development and professional design.

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MICROFINANCE AI = 50% LESS RISK + 200% MORE CLIENTS

Dear Director, you lose 15% of your portfolio to bad debt every year while your clients wait 48h for a 25 000 FCFA micro-loan. Imagine approving 90% of good applications in 5 minutes with AI scoring that knows your clients better than you do. Imagine your clients repaying via WhatsApp without traveling, receiving friendly automatic reminders. Our microfinance-specialized AI turns your institution into a neobank while keeping your human closeness. 3-month ROI.

YOUR DAILY MICROFINANCE CHALLENGES

Bad debt: 15% of portfolio on average, millions lost
Manual scoring: 48 hours of analysis for a micro-loan barely worth one
Costly collections: Field agents, fuel, huge time sink

Frustrated clients: Long waits, mandatory travel
FinTech competition: Orange Money, Wave, instant approvals
Operating costs: Branches, staff, limited growth

AI Micro-Credit Scoring

90% accuracy, 5-min approval: AI analyzes 50+ variables, Mobile Money history, instant recommendations.

ROI: -50% bad debt, +200% fast approvals.

WhatsApp Business Chatbot

24/7 customer service: Loan requests, repayments and balances via familiar WhatsApp.

ROI: -70% branch costs, +300% customer satisfaction.

Mobile Money Integration

Automatic repayments: Orange Money, MTN MoMo, direct links, friendly automatic reminders.

ROI: -80% collection costs, +95% repayment rate.

Solidarity Group Management

Dynamiques groupe IA : Analyse performances collectives, alertes risques groupe, optimisation composition.

ROI: +40% group performance, -60% solidarity defaults.

CASE STUDY: MICROFINANCE CAMEROON, 15,000 CLIENTS

BEFORE INOVA AI (Growth Crisis)

Bad debt: 18% of the portfolio gone up in smoke
Micro-credit approval: 48h minimum, lost clients
Collections: 8 full-time field agents, a budget that devours the margin
Customer service: 3 overwhelmed branches, queues

AFTER INOVA AI (3 Months Later)

Bad debt cut from 18% to 7% = nearly two thirds of losses erased
AI approval: 5 minutes = +180% applications processed
WhatsApp collections: 2 agents = -23M cost/year
24/7 service: 95% satisfaction, branches refocused on advice

POTENTIAL IMPACT (ILLUSTRATIVE EXAMPLE)

Illustrative example — actual results vary by activity and context.

MICROFINANCE INVESTMENT — FAST ROI

Micro Essential

3 500 000 FCFA

One-time setup

500 000 FCFA/month

Basic micro-credit scoring
Simple WhatsApp chatbot
Automatic repayment reminders
Executive dashboard

POPULAIRE

Micro Professional

7 000 000 FCFA

One-time setup

900 000 FCFA/month

Tout Essential +
AI scoring 90% accuracy
Mobile Money integrated
AI solidarity-group management
WhatsApp Business API

Micro Enterprise

15 000 000 FCFA

One-time setup

1 800 000 FCFA/month

Tout Professional +
Predictive portfolio AI
Client mobile app
Partner API (banks, FinTech)
Priority support 24/7

3-MONTH ROI COMMITMENT

We commit to supporting you, step by step, until your measurable goals are met.

MOBILE MONEY + AI REVOLUTION

Available Integrations

Orange Money: Direct API, automatic repayments
MTN MoMo: Payment links, SMS notifications
Camtel Money: Full integration
YUP: Instant payments

Mobile AI Features

Transaction history analysis
Personalized automatic reminders
Amount suggestions based on capacity
Scoring based on Mobile Money behavior

About INOVA DIGITAL

Contact Information

MICROFINANCE AI SOLUTIONS

MICROFINANCE AI = 50% LESS RISK + 200% MORE CLIENTS

YOUR DAILY MICROFINANCE CHALLENGES

AI Micro-Credit Scoring

WhatsApp Business Chatbot

Mobile Money Integration

Solidarity Group Management

CASE STUDY: MICROFINANCE CAMEROON, 15,000 CLIENTS

BEFORE INOVA AI (Growth Crisis)

AFTER INOVA AI (3 Months Later)

POTENTIAL IMPACT (ILLUSTRATIVE EXAMPLE)

MICROFINANCE INVESTMENT — FAST ROI

Micro Essential

Micro Professional

Micro Enterprise

3-MONTH ROI COMMITMENT

MOBILE MONEY + AI REVOLUTION

Available Integrations

Mobile AI Features

SPECIALIZED SECTORS

Free AI Test

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SERVICES

AI SOLUTIONS

CONTACTS

Assistant IA INOVA