AI & Blockchain for Financial Freedom
Providing accessible financial services to underserved communities through innovative technology solutions.
Empowering Communities
Through financial technology
Revolutionizing Access to Financial Services
Pollen combines artificial intelligence and blockchain technology to create innovative financial solutions for the 70% of Zambians who lack access to traditional banking services.
Digital Loans
Low-interest loans backed by stablecoins with AI-powered credit scoring.
Village bank
Decentralised village banking protocols enables users to pool funds together and conduct peer to peer lending
AI Credit Scoring
AI powered credit scoring helps to assess a borrower's creditworthiness by analysing financial, behavioural, and alternative data
Shortfalls of Existing Banking Services
Understanding the limitations of traditional banking services in Zambia
Limited Physical Access
Many rural areas lack physical bank branches, making it difficult for residents to access basic banking services.
- •Remote locations without bank branches
- •Long travel distances to nearest bank
- •Limited banking hours in rural areas
High Transaction Costs
Traditional banks often charge high fees for basic transactions, making banking unaffordable for many.
- •High account maintenance fees
- •Expensive transfer charges
- •Minimum balance requirements
Stringent Requirements
Complex documentation and strict eligibility criteria prevent many from opening accounts.
- •Complex KYC procedures
- •Multiple document requirements
- •Strict eligibility criteria
Limited Credit Access
Small businesses and individuals struggle to access credit due to traditional credit scoring methods.
- •Traditional credit scoring limitations
- •High interest rates
- •Collateral requirements
Poor Digital Infrastructure
Insufficient digital banking infrastructure limits access to online financial services.
- •Limited internet connectivity
- •Unreliable mobile networks
- •Basic digital literacy challenges
Financial Literacy Gap
Limited financial education prevents many from understanding and utilizing banking services effectively.
- •Lack of financial education
- •Limited understanding of banking services
- •Cultural barriers to banking