AFB Ghana - Hubtel

AFB Ghana

Their Story

AFB Ghana makes its loan products accessible to the mass-market via a simple apply over USSD process.

Having been in business for about 5 years now and with a strong focus on continuous systems development, we realized there was a need to break away from the traditional ways of client acquisition if we were to remain relevant in this era of technology. Hubtel’s USSD gateway powered our application through. Clients can now apply for loans in the comfort of their homes, offices etc. It has been very reliable, effective, and ultimately achieves the results.” – Richard Odamtten, Innovation & IS Head


Our Solution

Mobile loans provides short term lending options for emergency cash needs. In Ghana a feasible channel for operating mobile loans is via USSD since it offers a convenient, quick and free means of starting the loan application process. Customers only need to dial *714*777#.

Hubtel’s USSD solution allowed AFB create simple forms to capture basic details of applicants who can then be contacted for verification and processing. USSD apps/services can be accessed by any mobile device – smart or feature phone.


Impact on business

AFB has cultivated deeper customer engagement and brand loyalty due to efforts to develop additional access points for product options using the Hubtell USSD technology. With its focus on driving financial inclusion through technology-based solutions, AFB is poised for sustained and accelerated growth driven by the demand for access to credit amongst Africa’s growing middle class.

Their Goal

AFB aims to provide accessible, responsible and inclusive financial products to those who have been traditionally excluded, and in so doing give them the tools: credit cards, loans and insurance to improve their lives. Such a mission requires a set of innovative financial products and solutions uniquely designed to suit the needs of each market.

By leveraging on existing telecom infrastructure, AFB is able to provide mobile financial services including unsecured loans.

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