eSuSuCentric Technologies is an IT solutions company based in Lagos, Nigeria, established in April 2021. Our team has an average of 16+ years of individual experience in IT consultancy, data analytics, network and cloud security, application development, and IT strategy.
Our mission is to bring more Nigerians into the financial mainstream through credit, payments, commerce, and financial education. Collaboration is central to our vision, and we partner with banks, non-bank financial institutions (FIs), financial educators, and merchants to achieve this goal.
What We Do
Develop affordable alternatives to high-cost financial services.
Promote financial literacy and credit education.
Deliver innovative IT solutions tailored to client needs.
What is eSuSuSocial?
eSuSuSocial is a proprietary online platform designed to empower underbanked Nigerians by helping them build credit histories using alternative data. It bridges the gap between lenders and borrowers, ensuring more people are included in the financial ecosystem.
Key Features:
Alternative Credit Scoring: Uses data from telco activity, digital footprints, social media connections, and more to create a highly predictive credit profile.
Real-Time Loan Approvals: Customers can instantly know if they qualify for loans based on their eSuSuSocial score.
Data-Driven Insights: Lenders receive pre-qualified leads, making it easier to onboard credit-invisible customers.
Wide Suitability: Targets urban Nigerians with limited or no traditional credit history but with robust online activity and household expenditures.
How It Works: By analyzing various data points—including telecom usage, social media profiles, education, and transactional behavior—eSuSuSocial generates accurate credit scores in real time. This process ensures that individuals previously excluded from the financial system can access credit responsibly and sustainably.
What eSuSuSocial Offers
For Borrowers:
Access to ethical lenders.
A financial identity to strengthen creditworthiness.
Simplified loan applications and approvals.
For Lenders:
Access to underserved customer segments.
Insights from alternative data to assess creditworthiness accurately.
Pre-qualified leads for responsible lending.
Our Broader Vision
eSuSuSocial seeks to:
Expand market research on the financial needs of underserved Nigerians.
Collaborate with stakeholders to develop innovative financial products.
Promote financial literacy and responsible borrowing.
Encourage partnerships between banks, non-banks, and financial educators.
Impact and Benefits
For Borrowers:
Build credit history using everyday activities like bill payments, mobile recharges, and social media activity.
Gain access to affordable financial products and services.
For Lenders:
Reduce onboarding costs and risks with pre-qualified customer leads.
Broaden their customer base by tapping into the underbanked population.
The eSuSuSocial Score
The eSuSuSocial Score combines data from various sources, including:
Utility and mobile payments.
Social connections and digital interactions.
Open banking and KYC data.
This comprehensive approach ensures a more inclusive and accurate credit assessment system. Over 70% of previously unscorable applicants can now be evaluated for loans.
