Build Device Financing Without Building the Entire Device Ecosystem.
Devicera enables banks, fintechs and other financial institutions to launch and scale device-financing propositions by orchestrating the device supply, technology, protection, repair and lifecycle infrastructure around the loan.
You manage the credit. We manage the device ecosystem.
01 — The Opportunity
Device Finance Is Bigger Than a Smartphone Loan.
For millions of consumers and businesses, the device is becoming the gateway to:
Banking • Payments • Commerce • Education • Work • Entrepreneurship • Digital Services
The opportunity for financial institutions is therefore not simply to finance a handset.
It is to use affordable device access to drive:
Customer Acquisition
Bring digitally enabled customers into the financial ecosystem.
Credit Growth
Create new secured or technology-enabled lending propositions.
Digital Engagement
Put the digital channel directly into the customer's hands.
Transaction Growth
Enable customers to transact, pay, save, borrow and access services digitally.
Financial Inclusion
Expand access to quality connected devices through responsible financing.
02 — The Problem
Device Finance Requires More Than Capital.
A financier may understand credit exceptionally well. But successful device financing also requires:
Which devices should we finance?
Where will the devices come from?
Which retailers should distribute them?
How do we control the financed asset?
What happens when a customer stops paying?
What happens when the phone breaks?
Who repairs it?
What happens when repair is uneconomic?
What happens if the device is lost or stolen?
How do we manage this across multiple African markets?
That's the infrastructure Devicera builds.
03 — The Devicera Model
You manage the loan. We manage the device.
You Manage the Loan
Customer Acquisition
KYC & Credit Assessment
Credit Decision
Loan Origination
Repayments
Collections
We Manage the Device
OEM & Device Sourcing
Retail & Distribution
Device Management Technology
Device Protection
Repair-as-a-Service
Claims / Recovery
Replacement / Upgrade
Balance Sheet as a Service (BSaaS): Partner with Devicera and authorised device retailers to issue credit from your own balance sheet while we handle the end-to-end ecosystem and technology integration.
Why BSaaS with Devicera?
• Use your own balance sheet while we orchestrate device supply, technology and after-sales.
• Single integration point across OEMs, retailers, device controls, protection and repair.
• Faster time-to-market with a managed lifecycle infrastructure.
Partner Onboarding (Summary) — OEM-authorised centres; enterprise-approved labs; logistics-linked hubs
One Integrated Device Financing Ecosystem.
04 — We Also Help Create Demand
We Don't Just Manage the Device. We Help Build the Market.
Retail Distribution
Device retailers
Distributors
E-commerce
Dealer networks
B2B Distribution
Corporates
Employers
SMEs
Institutions
SACCOs
Affinity groups
Digital Distribution
Fintechs
Telcos
Digital platforms
Embedded channels
OEM-led Distribution
Device manufacturers
OEM campaigns
Product launches
Channel programmes
Devicera can connect both sides of the transaction — financing capacity and device demand.
05 — The Device Control Layer
Finance With Greater Visibility and Control.
Device-management technology can provide an additional control layer around financed devices. The Trustonic/BYG model we have been developing supports capabilities including device registration, IMEI lifecycle management, customer messaging and locking/unlocking controls.
Register
Capture and enrol eligible devices.
Manage
Maintain device status throughout the financing lifecycle.
Engage
Send repayment or account-related messaging where supported.
Control
Apply agreed device restrictions or locking processes where contractually and legally permitted.
Release
Release the device from financing controls following completion of the agreed financing obligations.
The technology is a risk-management tool, not a replacement for responsible underwriting.
06 — Protecting Repayment Continuity
A Broken Device Can Become a Credit Problem.
If a customer is financing a phone over 12, 18 or 24 months and the device becomes unusable after three months, the financing obligation continues. That creates a poor customer experience and can increase repayment pressure. Devicera therefore integrates device protection into the financing architecture.
Accidental Damage
Up to the agreed covered device value and applicable product terms.
Beyond Economic Recovery
Where repair is no longer economically viable.
Theft / Loss
Subject to agreed protection terms, validation and applicable deductibles.
Claims Management
Coordinated claims and customer support.
Protecting the device helps protect the customer experience around the loan.
07 — Repair-as-a-Service
Don't Just Finance the Device. Keep It Working.
Devicera aggregates and manages the repair ecosystem supporting financed devices.
Approved Repair Centres ↓
Repair Intake ↓
Diagnostics ↓
Repair Authorisation ↓
Parts Governance ↓
Repair Tracking ↓
Return to Customer
If repair is uneconomic: BER Assessment → Replacement / Settlement Process
08 — Multiple Financing Models
One Infrastructure. Multiple Commercial Models.
Device Loans
Traditional instalment financing for smartphones and connected devices.
Embedded Device Finance
Finance offered directly within retailer, OEM or digital customer journeys.
Employee Device Finance
Employer-supported device access programmes.
SME Device Finance
Devices bundled into business financing propositions.
Device Rental
Customers pay for access rather than outright ownership.
Device-as-a-Service
Devices, lifecycle services, protection and support bundled into a recurring commercial model.
Upgrade Programmes
Structured migration from an existing device to a newer device.
This gives room to evolve beyond conventional handset loans.
09 — Built to Scale Across Africa
Start in One Market. Build a Repeatable Model.
Phase 1 — 0–6 Months
Exploration & Strategy Alignment
Select pilot country — Kenya or South Africa
Select retail and digital channels
Select limited OEM portfolio
Select distribution partners
Design customer proposition
Align credit, device, protection and operational strategy
Phase 2 — 6–12 Months
Product-Market Validation
Test product-market fit
Validate risk assumptions
Validate operational model
Establish key metrics baseline
Prepare controlled pilot architecture
Phase 3 — 12-Month Pilot
Launch, Learn & Optimise
Enhance risk model and credit scoring
Strengthen protection and device lifecycle management
Optimise channels and customer journey
Deepen data and analytics
Measure repayment, claims, repairs and customer behaviour
Phase 4 — Scale
Market & Model Expansion
Expand into another African market
Increase OEM participation
Expand retailer and B2B channels
Introduce additional financing models: Rental • Device-as-a-Service • Upgrade • Enterprise Programmes
10 — The Ecosystem We Are Building
Local Relationships. Pan-African Architecture.
OEMs
Samsung • Transsion ecosystem • additional manufacturers
Technology
BYG • Trustonic • additional device technologies as required
Retail
Retailers • distributors • e-commerce • dealer networks
Insurance
Local insurers • regional insurance groups • protection partners
After-Sales
Repair centres • logistics • parts • replacement partners
B2B
Employers • corporates • SMEs • fintechs • telcos • institutions
Coverage & Expansion: Kenya (15+ sites — Nairobi, Kisumu, Mombasa, Nakuru); South Africa (incl. Cape Town); Ethiopia, Uganda, Tanzania (active partnerships). Pan‑Africa partnering available as programmes expand.
Existing ecosystem relationships across markets including: Kenya | South Africa | Namibia | Uganda | Tanzania | Ethiopia
And the network continues to grow as partners expand into additional African markets.
11 — Why Devicera
One Partner to Orchestrate a Fragmented Ecosystem.
A financier could independently contract: an OEM, a distributor, several retailers, a device-management technology provider, an insurer, a claims administrator, multiple repair centres, and logistics providers.
Or work with Devicera.
One commercial ecosystem
One operating architecture
One device lifecycle strategy
Multiple African markets
Devicera is not trying to replace the bank, OEM, insurer, retailer or technology provider. We make them work together as one device ecosystem.
Ready to Build Your Device Financing Strategy?
Whether you're exploring your first device-financing proposition or looking to scale an existing programme across Africa, Devicera can help build the ecosystem around your strategy.
partnership@devicera.africa
www.devicera.africa
DEVICERA
Powering Africa's Device Economy.