Hierarchical approval workflow
Each role validates its step in a configured cascade (Agent → BM → RM → CEO). Full audit trail on every transition.
Features
Everything Qredon brings to your institution.
Organized by domain to help you quickly find what matters to your team.
MFI operations
Real-time PAR dashboard
PAR 30/60/90 days continuously computed, automatic alerts on delays, drill-down by branch and officer.
Multi-branch, multi-region
Hierarchy CEO → Regional Manager → Branch Manager → Supervisor → Officer, with visibility adapted to each level.
Trilingual FR / AR / EN, native RTL
Interface available in French, Arabic (RTL) and English. Full Arabic support from phase 1.
Multi-channel notifications
SMS, push (mobile and web), email and in-app. Per-user notification center, channel preferences, automatic payment receipts.
KYC validation queue
Dedicated workflow to validate self-registered borrowers (OTP or Google): ID review, selfie comparison, request for additional info, or motivated rejection.
Built-in credit scoring
Score computed on every application, decision (approve / decline / manual review) and explicit factors, history kept per borrower. SCORING step traced in the workflow.
Borrower experience
100% digital onboarding
5-minute signup via dual OTP (SMS + Email), 5-step KYC, remote validation by agent.
Remote KYC with selfie
ID card front/back, verification selfie, OTP-signed consent. Visual review by the agent through a dedicated validation workflow.
Real-time loan simulator
Adjust amount and term, displays monthly payment and total cost instantly. Application draft save.
Mobile app for Android + iOS (Kotlin Multiplatform)
Shared Kotlin Multiplatform codebase with Compose UI: OTP onboarding, KYC, simulator, loan request and tracking, push notifications, offline local cache (SQLDelight).
Bank attestations with public QR
PDF generation of attestations (good standing, closure, active loan) with QR scannable by a third party for public verification. Issued from the borrower portal.
Multi-MFI login
A borrower with loans across multiple MFIs enters their number once, picks the institution, receives the OTP. No fragmented experience.
Google sign-in (OAuth)
Borrowers can sign up and log in via Google in addition to SMS OTP. Faster access for users who already have a Google account.
Mobile biometrics
Silent re-authentication on Android and iOS via fingerprint or Face ID after opt-in. Avoids retyping the OTP on every app launch.
Installable web portal (PWA)
The borrower portal installs to the home screen like an app, works offline for browsing, and receives web push notifications (VAPID).
Platform administration
MFI provisioning in 1 hour
New MFI onboarding in 7 steps: account, branding, plan, modules, regulatory config, go-live.
Per-MFI module toggles
Each MFI activates only the modules it needs (loans, repayments, KYC, borrower portal, scoring, SMS, reporting…). Quotas and billing aligned.
Security
Schema-per-tenant isolation
Each MFI has its own isolated PostgreSQL schema. Zero cross-tenant leakage. GDPR-compliant by design.
Rate limiting and API protection
OTP throttling (3/15 min), login (5/min), sensitive endpoints rate-limited. Brute-force and spam protection.
Compliance
Comprehensive audit trail
Every action tracked: who, when, what, before/after. Structured logs, 10-year retention, export for BCT audits.
GDPR compliance
Right to be forgotten, personal data export, anonymization. Configurable data retention, traced consent.
BCT regulatory framework
Per-product configurable rate caps, automated PAR thresholds, regulatory metadata (regulator, license number) attached to each MFI, audit trail exportable for compliance reviews.
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Our roadmap is built with our customers. Share your specific needs with us.