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Migo

Migo consolidates customer experience through embedded accounts for borrowers

Migo consolidates customer experience through embedded accounts for borrowers

The Situation

In a bid to consolidate the customer experience of  borrowers in the Nigeria credit operations, Migo partnered with OnePipe to maximize the use of standardized, partner-bank APIs that exist on OnePipe’s gateway to achieve a friction-less payback experience for repeat borrowers.

The OnePipe Solution

The Migo use – case involves the use of designated APIs that open an embedded account for the customer at the point of loan repayment and APIs that enable the movement of funds paid into Migo’s account resulting in a hitch-free, convenient, timely transaction end-to-end. In addition to the reusability of these designated, embedded accounts by repeat borrowers for loan repayments, the accounts are full – fledged utility accounts and as such these customers have the option of adopting the Migo embedded accounts as their primary transactional account.

The Situation

In a bid to consolidate the customer experience of  borrowers in the Nigeria credit operations, Migo partnered with OnePipe to maximize the use of standardized, partner-bank APIs that exist on OnePipe’s gateway to achieve a friction-less payback experience for repeat borrowers.

The OnePipe Solution

The Migo use – case involves the use of designated APIs that open an embedded account for the customer at the point of loan repayment and APIs that enable the movement of funds paid into Migo’s account resulting in a hitch-free, convenient, timely transaction end-to-end. In addition to the reusability of these designated, embedded accounts by repeat borrowers for loan repayments, the accounts are full – fledged utility accounts and as such these customers have the option of adopting the Migo embedded accounts as their primary transactional account.

The Outcome

The adoption of this embedded account is beneficial to both the customer and Migo as the customer enjoys minimal cost for banking transactions, discounted airtime purchase, ability to borrow airtime at zero interest and Migo has access to viable data which leveraging Migo’s proprietary algorithms is useful for computing accessible credit for the customer. The synergy between Migo and OnePipe has improved intimacy between Migo and its numerous customers as evidenced by the Migo Nigeria MD’s below remarks; We set out to make credit available to everyone especially to those populations typically excluded by traditional credit bureaus. Partnering with OnePipe has afforded our customers the seamless experience of paying back loans securely.

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