{"id":5142,"date":"2019-07-23T12:37:39","date_gmt":"2019-07-23T12:37:39","guid":{"rendered":"http:\/\/digi-entrepreneur.com\/?post_type=startup&amp;p=5142"},"modified":"2019-07-23T12:37:39","modified_gmt":"2019-07-23T12:37:39","slug":"alternativecircle","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/alternativecircle\/","title":{"rendered":"Alternative\tCircle"},"content":{"rendered":"<p>Entreprise de <strong>fintech<\/strong> qui \u0153uvre dans le domaine des micro-cr\u00e9dits.<\/p>\n<p>Via son application Shika, Alternative Circle permet aux institutions financi\u00e8res de proposer des micro-cr\u00e9dits via smartphone.<\/p>\n<p><strong>PRINCIPE ET GEN\u00c8SE DE L&rsquo;OFFRE<\/strong><\/p>\n<p>Apr\u00e8s 12 ans dans les services financiers et deux exp\u00e9riences entrepreneuriales r\u00e9ussies, Kevin Mutiso lance Alternative Circle en 2016. Avec son application Shika, il aide les banques qui n\u2019ont pas d\u2019infrastructures de micro-cr\u00e9dits \u00e0 atteindre une client\u00e8le demandeuse d\u2019emprunt. Apr\u00e8s des d\u00e9buts r\u00e9ussis, Kevin Mutiso \u00e9tablit un partenariat strat\u00e9gique avec CreditInfo; celui-ci offre ses technologies d\u2019analyse de profil cr\u00e9dit et un financement de 1.1 million de dollars. Ce partenariat a permis \u00e0 Alternative Circle d\u2019obtenir le titre de Meilleur Innovateur Technologique du pays et de recevoir un financement de 10 millions de dollars de diff\u00e9rentes institutions financi\u00e8res pour le d\u00e9veloppement de l\u2019offre.<\/p>\n<p><strong>PARCOURS CLIENT FONCTIONNEMENT<\/strong><\/p>\n<p>L\u2019application Shika fournit un cr\u00e9dit \u00e0 l\u2019utilisateur en moins de 3 minutes. Il suffit de remplir un formulaire, d\u2019indiquer le montant demand\u00e9, d\u2019attendre 30 secondes et la somme demand\u00e9e est ensuite transf\u00e9r\u00e9e sur le compte M-PESA de l\u2019utilisateur. La fr\u00e9quence de remboursement est \u00e0 la discr\u00e9tion de l\u2019utilisateur : en une fois, hebdomadairement ou quotidiennement. Les donn\u00e9es utilis\u00e9es pour analyser le profil et les capacit\u00e9s d\u2019emprunt permettent d\u2019augmenter le plafond. Toutes les donn\u00e9es sont prot\u00e9g\u00e9es par la technologie Alternative Circle.<\/p>\n<p><strong>EN QUOI EST-CE UNE INNOVATION<\/strong><\/p>\n<p>Avec Shika, Alternative Circle transforme le mod\u00e8le de nombreuses institutions financi\u00e8res qui peuvent d\u00e9sormais offrir des micro-cr\u00e9dits avec des plafonds plus \u00e9lev\u00e9s gr\u00e2ce \u00e0 des informations plus compl\u00e8tes sur les profils. L\u2019int\u00e9gration de l\u2019offre dans l\u2019\u00e9cosyst\u00e8me de M-PESA d\u00e9j\u00e0 bien implant\u00e9e permet d\u2019am\u00e9liorer la rapidit\u00e9 et facilit\u00e9 d\u2019utilisation. Avec une telle innovation, ce sont 200 millions de personnes dans le monde qui pourront b\u00e9n\u00e9ficier de microcr\u00e9dits.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entreprise de fintech qui \u0153uvre dans le domaine des micro-cr\u00e9dits. Via son application Shika, Alternative Circle permet aux institutions financi\u00e8res de proposer des micro-cr\u00e9dits via smartphone. PRINCIPE ET GEN\u00c8SE DE [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5149,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5142","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5142"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5142\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5149"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5142"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}