We are currently focusing on the digitalisation of our products, processes and procedures to increase efficiency and outreach and better understand and respond to client needs in fast developing markets. The introduction of a new Core Banking System will speed up our development on four key strategic levels:

• Digitalisation of the loan process 
• Digital credit scoring 
• Development of business intelligence systems 
• Alternative (including digital) delivery channels  

Now that Advans affiliates have built a strong structure and have reached financial stability in urban centres, they are focusing on scaling up their activities and increasing their outreach in semi-rural and rural areas where there is high potential for growth and impact. So as to serve clients in these areas in a sustainable and responsible manner, Advans aims to:

• Develop tailored credit and deposit products 
• Address the needs of rural families 
• Introduce innovative, appropriate delivery channels 

As part of its strategy to diversify its credit offer to better respond to clients’ personal needs Advans has chosen to focus on education. Advans sees education as one of the main contributors to economic and social development. Some of Advans affiliates have begun to develop education finance in the past few years, with support from the group and external partners. Tailored products have been created for:

• School establishments with financing for investments and  short term treasury loans
• Parents, to support them in the payment of school fees