Case Study: ‍Scaling Growth by 130% While Reducing Processing Time by 33%

Since 2021, Juakali has partnered with Platcorp Group through its subsidiary, Premier Credit in Kenya and Uganda, and Platinum Credit Kenya, to progressively digitise critical components of its credit operations in Kenya and Uganda.

What began as a focused intervention to improve lead management has evolved into a fully integrated digital credit workflow spanning lead capture, loan origination, and core banking integration, including Mambu.

Today, the platform supports approximately 1,500 Premier Credit users, including 1,400 loan officers and 100 branch and supervisory users, enabling real-time execution, monitoring, and portfolio oversight across markets.

The objective has remained consistent: improve data quality at source, reduce operational inefficiencies, and enable scalable, standardised credit delivery.

Phase 1: Digitising Lead Management (LM)

Challenge
Lead tracking and early-stage customer follow-up often relied heavily on manual processes and inconsistent data capture. This created gaps in visibility, limited standardisation across teams, and made it difficult to maintain clean, complete information as prospects progressed through the funnel.

What we implemented
Juakali integrated a digitised lead management workflow that helped structure how leads are captured, tracked, and progressed, creating clearer steps and better continuity between teams.

Result
A more consistent and trackable lead pipeline, improved data quality at source, and reduced friction as leads transitioned into formal applications.

Phase 2: Rolling out Loan Origination (LOS)

Challenge
As portfolio volumes and operational complexity increased, the loan origination process required more reliable field execution, improved data quality controls, and reduced back-and-forth between teams and client paperwork. The MSME loan products required 21 different forms to be filled out.

What we implemented
Juakali supported the rollout of a structured LOS workflow with field-ready capabilities such as:

• Digitised data capture and validations
• OTP verification
• Digital signatures
• Photo/ID capture and GPS tagging of multiple locations, including customer and guarantor locations
• Offline-first execution with synchronisation once connectivity is restored

Result
More complete and consistent application data at first capture, fewer manual corrections, and smoother handovers across the origination journey.

• Same-day processing, approval and disbursement for MSME Loans.
• Paper-based applications have been reduced to a single digital workflow.
• Stationery costs have been reduced by approximately USD $6,000 per month.
• Improved data accuracy through GPS-based location capture, replacing hand-drawn maps.
• Reduced rework and strengthened consistency in application quality.

Phase 3: Integration with Core Banking

Challenge
Even with digitised workflows, operational inefficiencies can persist when systems operate in silos or when teams must re-enter information across platforms.

What we implemented
Workflow integration with Mambu, enabling teams to retrieve relevant client/loan information while maintaining alignment with the system of record.

Result
Improved alignment between workflow execution and core banking processes, reducing duplicate data entry, improving data integrity, and enhancing operational continuity.

Measurable Impact

A comparative analysis of lending activity between February 2024 and February 2026 across selected Nairobi branches highlights the operational gains delivered through continued digitisation:

• Total portfolio value processed increased by 130%
• Loan processing time reduced by 33%

These improvements reflect not only increased efficiency but also enhanced capacity to scale lending operations without a proportional increase in operational complexity.

Strategic Impact

The digitisation of credit workflows has repositioned operations from manual, fragmented processes to a standardised, data-driven, and scalable model.

Key outcomes include:

• Stronger control over data quality and credit processes
• Faster turnaround times, improving customer experience
• Reduced operational costs and increased efficiency
• Enhanced ability to scale lending portfolios sustainably
• Improved performance monitoring and decision-making through better data visibility
• Reduced paper and printing costs

“The digitisation of our credit workflows has delivered a measurable impact across our businesses. We have increased portfolio throughput by 130% while reducing processing time by 33%, all while strengthening data quality and operational control. This positions us to scale sustainably without compromising our governance standards.”

Simon de la Rey
CIO, Platcorp Group