K
MchinjiKwachaX
Digital Lending Platform — Mockup
Simple money. Clear terms. Complete control.

A next-generation Malawi digital lending platform.

Every screen answers four questions: How much can I borrow? How much will I repay? When will I receive it? How do I apply?

Customer App · Mobile-first PWA

Customer Journey - 15 Screens

Discover → Check eligibility → Get personalised offer → Accept → Receive money → Track → Repay → Build credit.

01 · Landing
14:41●●● 􀙇 􀛨
K
MchinjiKwachaX
Money when
you need it.
Simple. Transparent. Digital.
Choose your loan amount
MWK 100,000
AmountMWK 100,000
Service feeMWK 10,000
Total repaymentMWK 110,000
Repayment date18 Oct 2026
No hidden fees. No surprises.
Regulated by Reserve Bank of Malawi (illustrative)
02 · How it works
14:41●●● 􀙇 􀛨
How it works
01
Create your account
Verify your phone and identity.
02
Tell us what you need
Select your amount and provide the required information.
03
Receive your offer
See your exact repayment amount before accepting.
04
Get your money
Funds sent directly to your mobile money account.
03 · Eligibility checker
14:41●●● 􀙇 􀛨
Step 1 of 3
Let's see what
you may qualify for.
This won't affect your credit score.
How much would you like?
MWK 50,000
MWK 100,000
MWK 150,000
MWK 200,000
Do you have a valid Malawi National ID?
Yes
No
Which mobile money service do you use?
Airtel Money
TNM Mpamba
04 · Registration
14:41●●● 􀙇 􀛨
✓
2
3
Account → Identity → Details
Verify your number
We've sent a 6-digit code to +265 991 123 456
4
8
2
9
1
3
Resend code in 28s
05 · KYC / Identity
14:41●●● 􀙇 􀛨
Verify your identity
We'll need your National ID to verify your identity.
Take photo of ID
Front side · well lit · no glare
Take a selfie
Position your face inside the circle
✓ Identity document captured
✓ Selfie captured
✓ Information verified
06 · Loan application
14:41●●● 􀙇 􀛨
How much do you need?
MWK 150,000
10,000300,000
YOUR LOAN
AmountMWK 150,000
Interest / service feeMWK 15,000
Total repaymentMWK 165,000
Due date18 Oct 2026
No hidden calculations.
07 · Loan offer
14:41●●● 􀙇 􀛨
Your loan is ready
Review the details below before accepting.
YOU'LL RECEIVE
MWK 150,000
YOU'LL REPAY
MWK 165,000
Due 18 October 2026
PrincipalMWK 150,000
Interest / service feeMWK 15,000
TotalMWK 165,000
By continuing, you agree to the loan terms.
View full loan agreement
08 · Disbursement
14:41●●● 􀙇 􀛨
🚀
Money is on its way
MWK 150,000
SENDING TO
A
Airtel Money
+265 991 123 456
✓
Loan approved
✓
Agreement accepted
●
Sending money…
○
Money received
Usually takes less than 60 seconds.
09 · Customer dashboard
14:41●●● 􀙇 􀛨
Good afternoon
Edward
ACTIVE LOAN
On track
MWK 165,000
MWK 110,000 remaining 33%
Due
18 Oct 2026
Recent activity
↓
Loan disbursed
Sep 19 · Airtel Money
+150,000
−
Service fee
Sep 19 · Deducted
15,000
Home
Loans
Repay
Profile
10 · Repayment
9:41●●● 􀙇 􀛨
Repay your loan
OUTSTANDING
MWK 110,000
Choose amount
MWK 110,000
Full repayment
Other amount
Pay with
A
Airtel Money
T
TNM Mpamba
You'll see a prompt on your phone to confirm.
11 · Repayment success
9:41●●● 􀙇 􀛨
Payment received
MWK 50,000
Remaining balance MWK 60,000
Next payment 18 Oct 2026
12 · Loan history
9:41●●● 􀙇 􀛨
Loan history
Your full borrowing timeline
LOAN #000221
Active
MWK 150,000
Sep 2026Due 18 Oct 2026
LOAN #000167
Completed ✓
MWK 150,000
Mar 2026Repaid on time
LOAN #000124
Completed ✓
MWK 100,000
Jan 2026Repaid on time
13 · Borrowing profile
9:41●●● 􀙇 􀛨
Your borrowing profile
Keep repaying on time to grow your limit.
CURRENT LIMIT
MWK 200,000
NEXT POTENTIAL LIMIT
MWK 250,000
Your progress
✓
Identity verified
✓
First loan completed
✓
Second loan completed
●
Current loan
○
Next limit review
💡 Keep making repayments on time to maintain a strong repayment record and unlock higher limits.
14 · Notifications
9:41●●● 􀙇 􀛨
Notifications
✓
Loan approved
Your MWK 150,000 loan has been approved.
2 min ago
↑
Disbursement
MWK 150,000 has been sent to your Airtel Money account.
1 min ago
!
Reminder
Your loan repayment of MWK 110,000 is due in 3 days.
Today
✓
Payment received
We've received your MWK 50,000 repayment.
Yesterday
15 · Help center
9:41●●● 􀙇 􀛨
Help center
Answers to common questions.
How do I apply?
Why was my loan declined?
How do I repay?
My payment hasn't appeared
I changed my phone number
I didn't receive my money
Need help?
Admin · Operations & Risk

Back-office platform

Loan portfolio, applications, customer profiles, KYC review, and workflow state machine — designed for finance & ops teams.

Dashboard
Portfolio overview · 19 Sep 2026
Export
AM
OUTSTANDING
MWK 428.6M
▲ 4.2% vs last week
ACTIVE LOANS
3,421
▲ 128 today
DISBURSED (30d)
MWK 82.4M
Across 1,840 loans
OVERDUE
MWK 7.2M
▼ 0.8% vs last week
Disbursement trend
Last 12 weeks
Weekly Monthly
W1W3W5W7W9W11
Portfolio at risk
3.2%
PAR30
On time · 88%
1–30 days · 8%
30+ days · 4%
Recent applications
Awaiting review or recently decided
All Review Approved Declined
APPLICANT ID AMOUNT RISK STATUS ACTION
Emmanuel Mwale #000341 MWK 150,000 Low Review Open
Chikondi Banda #000340 MWK 100,000 Low Approved Open
Thandiwe Phiri #000339 MWK 75,000 Medium Pending KYC Open
Blessings Tembo #000338 MWK 200,000 High Declined Open
Memory Kamanga #000337 MWK 50,000 Low Approved Open
Loan workflow
Every transition is logged & auditable
Application → KYC verification → Credit assessment → Approved / Declined → Offer generated → Customer accepts → Disbursement → Active loan → Repayment → Completed