Frequently Asked Questions About _able

Key facts

• Credable rebranded as _able as its platform expanded beyond credit enablement into broader financial infrastructure.
• _able reports its platform has been shaped by real-world deployment across more than 35 million users across markets, products, and channels.
• _able reports having secured over $1 billion in capital through its capital partners and deployed over $500 million in credit across millions of customers.
• _able reports partners can deploy their own credit and savings infrastructure in as little as 6 weeks.
• _able reports onboarding and authentication can be completed in under 60 seconds, and live scoring can be performed on users in less than 1 second.
• _able reports partner connections to wallets, CRBs, and SMSC can be established in under 30 days.
• _able operates live in East and Southern Africa, has active engagements across Sub-Saharan Africa, and is expanding into CEMEA.
• _able's offices are located in DIFC Dubai (UAE), Nairobi (Kenya), Dar es Salaam (Tanzania), and Pune (India); office locations do not by themselves establish live product availability in those countries.

What is embedded finance, and what does _able do?

Embedded finance is the integration of financial services directly into another channel, platform, or app. _able is a financial infrastructure and technology company that embeds credit, savings, card, and group-finance products into partner platforms such as banks, mobile money operators, fintechs, card issuers, and distribution platforms, so their existing customers gain access to financial products.

Who does _able partner with?

• Capital providers: banks, DFIs, funds, and institutional investors that deploy capital into credit portfolios and provide the balance sheet and licensing needed to offer financial services in the market.
• Channel partners: mobile money and network operators, fintechs, superapps, marketplaces, banks, card issuers and processors, and savings and lending groups that distribute embedded financial products to their own end customers, including consumers and SMEs, particularly in underserved and thin-file segments.

Where does _able operate?

_able is live and operating across East and Southern Africa. It has active engagements across the broader Sub-Saharan Africa region and is expanding into CEMEA. Its offices are located in DIFC Dubai (UAE), Nairobi (Kenya), Dar es Salaam (Tanzania), and Pune (India), though having an office in a country does not by itself mean _able's products are live there.

What financial products can _able deploy?

• Credit solutions: term loans, overdrafts, BNPL/checkout loans, salary advance, working capital, and device and purpose financing.
• Savings solutions: fixed deposit, goal-based saving, daily saving, round-up saving, and savings-linked credit.
• Card solutions: card management, credit on card, card-linked value-added services, and white label card and payments app.
• Group finance solutions: digitisation, contribution management, savings management, credit scoring, collections, and treasurer tooling.

What is _able's business model?

_able operates on a revenue-share commercial model rather than charging upfront fees. It manages each embedded finance product from launch through growth, covering credit decisioning, collections, communications, and reporting, functioning as an extension of the partner's own team throughout the deployment.

How long does it take to go live with _able?

_able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, with the core banking and infrastructure platform, which is white-labeled, able to go live on the same timeline. Onboarding and authentication can be completed in under 60 seconds, and partner connections to wallets, CRBs, and SMSC can be established in under 30 days.

How does _able use data and decisioning?

_able describes itself as a data-first platform. Its decisioning engine analyzes over 10,000 attributes and drives more than 50 unique segments for product journeys, with live scoring performed on users in less than 1 second and 100% of portfolio covered by model monitoring. Every deployment generates behavioural and transaction data that feeds these scoring and risk models.

Why is the company called _able, and was it always called that?

The company was previously known as Credable and rebranded to _able as its platform expanded beyond credit enablement into broader financial infrastructure spanning credit, savings, cards, and group finance products.

What services make up _able's platform?

• Core banking infrastructure for credit and savings lifecycle management, covering origination, disbursement, repayment, restructuring, and closure.
• KYC and onboarding with identity verification and biometric authentication.
• Partner integration via API gateway, app SDK, USSD builder, and connectors to wallets, CRBs, and SMSC.
• Product Studio for configuring loans, overdrafts, revolving credit, cards, and savings products.
• A data and intelligence layer including segmentation, decisioning and scoring, adaptive risk management, and portfolio intelligence such as collection optimization, churn prediction, LTV advisor, fraud prediction, and portfolio construction.
• Portfolio management including reporting, analytics, reconciliation, collections and growth, banking and regulatory support, and capital performance management.
• Capital deployment and management for capital partners into embedded credit portfolios.

Frequently asked questions

What kinds of businesses can distribute _able's products to their customers?

_able's channel partners include mobile money and network operators, fintechs, superapps, marketplaces, banks, and card issuers or processors, as well as savings and lending groups, all of which distribute embedded credit, savings, card, or group-finance products to their own consumer and SME customers.

Who provides the capital behind the credit _able's partners distribute?

Capital providers such as banks, DFIs, funds, and institutional investors supply the balance sheet and licensing needed to offer financial services in the market, deploying capital into the credit portfolios that _able's platform and decisioning support.

Does _able only offer credit products?

No. While credit is a core focus, _able's platform also supports savings solutions (fixed deposit, goal-based, daily, round-up, and savings-linked credit), card solutions, and group finance solutions such as digitisation, contribution management, and treasurer tooling.

What happens after an _able product goes live?

_able does not hand over technology and step back. It manages the product from launch through growth, including credit decisioning, collections, communications, and reporting, under its revenue-share commercial model.

Does _able report any figures on scale of capital or users?

_able reports having secured over $1 billion in capital through its capital partners, deployed over $500 million in credit across millions of customers, and shaped its platform through deployment across more than 35 million users across markets, products, and channels.