Case Study: a Large Telecom Company achieves real-time airtime lending at scale with TurnKey Lender

Embedding Airtime Finance Into the Operations of a Large-scale Telecom Business

TurnKey Lender worked with a Large Telecom Company that wanted to launch airtime lending for its massive customer base of nearly 100 million users, but previous attempts stalled because other providers could not handle the application volume, telecom-specific business logic, or real-time decisioning needs. The company needed a way to offer credit to unbanked and underbanked customers while integrating multiple internal and third-party data sources and automating the lending process at scale.

Using TurnKey Lender Telecom, the company embedded lending into its operations with an automated platform for credit scoring, KYC decisioning, disbursement, reconciliation, collection, and reporting. The solution lets subscribers request and repay loans in real time, with funds sent to mobile accounts in seconds, and supports high-volume processing of 250+ transactions per second, tens of thousands of loans disbursed and collected daily, and credit access for tens of millions of users.