Digital lending platform
Originate, score, disburse and collect loans end to end, under your own brand.
Lending infrastructure · Nigeria
The technology behind fairer finance.
Twinkle Consulting, by Twinkle Idea Labs, builds the lending, wallet and card technology that credit unions, microfinance banks and online lenders use to reach women and middle-to-low income earners across Nigeria.
60% of borrowers served are women
Web, Android, iOS & card channels
Proprietary repayment scoring
What our partners can do
One platform for the whole loan journey
Our software, mobile and web applications reach customers through our channel partners, and cover every stage from onboarding to repayment.
Know the customer
Digital onboarding and KYC checks built into every channel.
Assess ability to repay
Our proprietary algorithm scores each applicant before a loan is offered.
Disburse anywhere
Lend over web, Android, iOS or card, whichever your customers use.
Manage the portfolio
Track loans and deposits in one place, with clear portfolio views.
Collect repayments
Flexible collection methods that make paying back simple.
Report and improve
MIS reporting shows what is working and where risk is building.
Built forCredit unionsMicrofinance institutionsOnline lendersFinancial innovators
Products
Built for lenders who serve the underserved
Wallet systems
Secure digital wallets for savings, transfers, disbursements and repayments.
Companion cards
Cards linked to loans and wallets, for spending access and automatic repayment.
Management information system
Reporting and oversight for financial services: portfolio health, arrears and growth.
60%
Impact
of the customers our partners serve are women.
Access to finance changes what a trader, a teacher or a young family can plan for. We build the infrastructure so that the institutions closest to these customers can say yes more often, and more safely.
Consulting
Technology expertise for financial services
Beyond our products, our engineers, data specialists and fintech strategists help organisations plan, build and run digital services.
We work with core banking and payments platforms including Mambu Cloud Banking, Interswitch, BankBI and Providus Bank.
MambuInterswitchBankBIProvidus Bank
Artificial intelligence
Chatbots, machine learning models, fraud detection and personalised customer journeys.
Cloud computing
Cloud migration, SaaS platforms and hybrid strategies that stay secure as you scale.
Data analytics
Business intelligence, predictive modelling and real-time reporting from your own data.
Project management
Expert-led delivery that manages risk and keeps strategy and execution aligned.
Web & app development
Custom web applications, customer portals and enterprise platforms.
Custom reports
Clear, decision-ready reporting for boards, regulators and operations teams.
Voice recognition
Voice-based automation and verification for faster, more accessible service.
User statistics
Behavioural analytics that show how customers use your products and where they drop off.
About Tidea
Twinkle Idea Labs
Twinkle Idea Labs Co. (Tidea) provides the technology backbone that enables access to finance for underserved people in Nigeria, including women and middle-to-low income earners.
We don't lend directly. We equip financial innovators, credit unions, microfinance institutions and online lenders with the infrastructure to deliver value to their customers. Twinkle Consulting is the Tidea brand for our products and technology advisory work.
Inclusion by designProducts shaped around customers that traditional banking often misses.
Responsible lendingAbility-to-repay scoring protects borrowers and lenders alike.
PartnershipWe succeed when our channel partners grow their reach and portfolio quality.
Contact
Let's talk about your lending plans
Tell us what you're building, whether it's a new loan product, a wallet or a consulting project. We'll come back with a demo or a proposal.
- info@twinkleconsulting.com
- Phone
- +2248081136482
- Office
- 185, Top floor above MKOPA, opposite Bovas filling station, Taiwo Ibrahim road, Ilorin, Kwara State, Nigeria