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Payroll Deduction vs Direct Debit: Choose the Best Loan Repayment Method
Article

Payroll Deduction vs Direct Debit: Choose the Best Loan Repayment Method

Repayment method selection fundamentally impacts loan performance, customer satisfaction, and operational efficiency. The choice between payroll deduction and direct debit...

June 26, 20257 min read
Traditional vs Digital Credit Assessment: A Performance Comparison
Article

Traditional vs Digital Credit Assessment: A Performance Comparison

The lending industry stands at a crossroads between time-tested traditional credit assessment methods and revolutionary digital approaches powered by artificial...

June 26, 20255 min read
Pre-Employment Background Checks: Financial Verification for HR Teams
Article

Pre-Employment Background Checks: Financial Verification for HR Teams

Pre-employment financial verification has evolved from basic credit checks to comprehensive financial integrity assessments that protect organizations from fraud, theft,...

June 26, 20254 min read
Car Loan Digitization in Africa: Streamlining Auto Financing
Article

Car Loan Digitization in Africa: Streamlining Auto Financing

Africa's automotive financing landscape undergoes rapid transformation as digital technologies revolutionize traditional lending approaches. With vehicle ownership aspirations growing across...

June 26, 20255 min read
Bank Statement Analysis: How AI Extracts Credit Insights from Transaction Data
Article

Bank Statement Analysis: How AI Extracts Credit Insights from Transaction Data

Bank statements contain rich financial narratives that traditional credit scoring largely ignores. Every transaction reveals spending patterns, income stability, and...

June 26, 20257 min read

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VIda is an AI-powered credit decisioning engine, specially designed to help merchants and institutions make informed credit decisions.

Note that Vida is not a credit bureau, we basically leverage data from multiple data sources while infusing AI to enhance the credit assessments of merchants and institutions.