Partnership models

One platform.
Multiple partnership models.

Different partners bring different capabilities to digital credit. balaBNK’s commercial model is designed around that reality.

Institutional technology

For banks, MFIs and institutions seeking to digitize lending while retaining their lending products, customers, balance sheet and regulatory responsibilities.

Implementation · SaaS · Maintenance · Transaction fees

Consumer credit partnership

For regulated institutions seeking to introduce new digital consumer propositions using balaBNK technology, product framework and credit methodology.

Technology fees · Transaction revenue · Revenue participation · Performance-based economics

Market & brand licensing

For regulated institutions seeking to launch a localized balaBNK proposition combining local infrastructure with the technology, brand and operating know-how.

SaaS · Technology licensing · Brand licensing · Transaction revenue

Funding & portfolio partnership

For private capital, family offices and credit funds seeking exposure to digitally originated credit portfolios.

Technology & servicing fees · Portfolio management economics · Performance-based compensation

Credit intelligence

For partners seeking behavioral scoring, predictive risk, target-market intelligence, portfolio analytics and intelligent collections.