Purpose-built for Zambian MFIs
Trusted by Zambian institutions
Configured USSD Short Codes
MNO Gateway Partners
Airtel
Zamtel
MTN
Zedmobile
Stop chasing borrowers manually. Ontech CRM automates your entire collections workflow — from smart queue allocation and promise tracking to payroll deductions and GPS-tracked field visits — so your team recovers more with less effort.
Automated workflows that escalate at the right time, through the right channel.
From walk-in to approved loan in one session. Capture 40+ borrower fields, run an 8-step approval workflow, upload documents, and import clients in bulk — all without paper forms.
Give your clients a branded self-service portal where they can check balances, view arrears, create payment promises, track loan progress, and submit support cases — 24/7, no agent needed.
Borrowers access their profile, balances, and services from any device — web browser, USSD on any handset, or mobile app.
Customer Portal
| Loan ID | Principal | Outstanding | Arrears | Status |
|---|---|---|---|---|
| ONT-00482 | K15,000 | K4,280 | K620 | In Arrears |
| ONT-00315 | K8,000 | K0.00 | K0.00 | Closed |
| Date | Reference | Loan | Amount | Channel |
|---|---|---|---|---|
| 12 Feb 2026 | PAY-90821 | ONT-00482 | K500.00 | Mobile Money |
| 28 Jan 2026 | PAY-89102 | ONT-00482 | K500.00 | Payroll |
| 15 Jan 2026 | PAY-88456 | ONT-00482 | K300.00 | Bank |
Airtel
USSD Gateway
Zamtel
USSD Gateway
Zedmobile
USSD Gateway
MTN
USSD Gateway
Not every borrower has a smartphone. Ontech CRM provides production-ready USSD self-service across all four Zambian MNOs — letting clients check balances, make promises, and raise cases from any handset.
Combine intelligent chatbots with automated voice campaigns to reach every borrower at scale — across WhatsApp, SMS, web, and phone.
Claude-powered conversational AI
Automated voice reminders at scale
WhatsApp, SMS & web chat
Understand borrower needs instantly
Context-aware conversations
Scheduled outreach sequences
Natural-language portfolio insights
Regulatory-ready audit trails
Built-in BOZ-compliant returns, agent scorecards, collections dashboards, and portfolio aging — ready to print or export with one click.
| BOZ Category | Recv | Res | % |
|---|---|---|---|
| Account Operations | 62 | 55 | 91.2% |
| Lending & Credit | 58 | 49 | 84.5% |
| Digital Channels | 47 | 43 | 93.0% |
| Fees & Charges | 41 | 36 | 78.4% |
| Insurance Products | 39 | 35 | 89.7% |
| Promise Status | Count | Amount (K) | Rate |
|---|---|---|---|
| Kept | 198 | 847,200 | 57.9% |
| Broken | 89 | 412,300 | 26.0% |
| Pending | 55 | 283,500 | 16.1% |
| Risk Grade | Accounts | Exposure (K) |
|---|---|---|
| Normal | 1,247 | 15,312,400 |
| Watch | 143 | 1,845,200 |
| Substandard | 68 | 987,600 |
| Loss | 24 | 455,800 |
Every borrower interaction — whether it starts on USSD, WhatsApp, or a phone call — flows into a single agent view with smart routing and SLA monitoring.
See how Zambian MFIs are reducing arrears and giving borrowers 24/7 self-service access.