We solve the problem of loan overburden and negative pay
Our product is built to analyze your employees debt to income ratio and as such an employee can only access what he or she is capable of paying without incurring a negative balance on his or her monthly.
We have solved:
- Loan overburden
- Payroll inefficiency from outdated manual systems
- Inaccessible low-interest loan options for employees
- Unreliable repayment tracking
A few of our trusted leading African Organisations and Businesses
Unlock the Power
of Money to your
Employees
We help your employees access instant loans with convenient repayment from accredited lenders on Dedukt. We've got your employees' financial needs covered.
How has dedukt helped
other employers?
Payroll loans can really help motivate employees and boost company revenue, especially for a small-to-medium business like Bright & Co. Constructions. This company got a whopping 67% increase in revenue by implementing good payroll loans that motivated their employees.
They were in search of a responsible lender because their staff members started complaining about unnecessarily high-interest rates from the previous lender they were working with.
Dedukt connected them with responsible lenders that gave low-interest loans at just 4% per annum. dedukt did not just motivate their employees to achieve a massive scale but they were also able to automate deductions and make informed lending decisions.
A Case Study on
Bright & Co. Constructions
How dedukt has helped Lenders
Read how dedukt has transformed productivity for our customers
and hear their success stories.
As the Head of Credit Risk at Links MFB, I can confidently say that the Dedukt portal is the best I have worked with so far. In terms of collections and payments, the application is extremely fast and even displays customers' upcoming salary amounts.
Before onboarding with Dedukt, Links MFB had struggled with backlog payments for a long time. However, since we started using the application, our loan repayment rate has been 100% — which is the ultimate dream of every bank.
Wallet payments and network performance have also been seamless for both me and my bank.
Values we live by
Passion
When it comes to technology, we have the best minds but it's not about writing codes, it's all about our drive for success
Commitment
Our customer first approach helps us understand your needs better, you bet our solutions are just spot on!
Delivery
We wouldn't stop until you say so but time and accuracy is essential to what we do. Let's work together!
The Platform African
Lenders and Employers
rely on
Dedukt is already powering real-time credit and payroll decisions for thousands of employees and organizations across Africa. With over 15,000 transactions processed and 95 lenders on board, our platform is built for trust, scale, and impact.
Why you need Dedukt for your Organization
Improve Employee Productivity
Access to funds when needed is therapeutic. If employees do not need to worry about money, you will get the best results from them. Let's help you finance their needs.
Manage Employee Exposure
Dedukt was built to not only give loans to employees but to also help manage the risk in taking loans. Everything has been automated to fit every employee's capacity and as such your loan or income cannot go wrong with our product.
Easily Automated Loan Repayment
Our repayment system is fully automated and flexible. We believe paying back loans should also be convenient for your employees and as such our repayment structure was built to make it easy and affordable to repay loans.
You Have Questions?
We Have Answers.
What is Dedukt?
Dedukt is a credit verification and decisioning platform that helps lenders assess the creditworthiness of salaried individuals using verified employment and payroll data sourced directly from employers.Who can use Dedukt?
Lenders, financial institutions, and employers who want to verify employee income and creditworthiness.How does Dedukt verify employment and income?
Dedukt verifies employment and income directly through secure integration with employers' HR and payroll systems.What is the available deductible balance?
The available deductible balance is the portion of an employee's salary that can be safely deducted for loan repayments.How is the available deductible balance determined?
It is calculated based on verified salary, existing deductions, and responsible lending guidelines.Does Dedukt generate a credit score?
No, Dedukt provides verified employment and payroll insights to help lenders make informed decisions. It does not generate a traditional credit score.How can Dedukt help reduce loan defaults?
By providing real-time verified income and employment data, lenders can assess repayment capacity more accurately.Can Dedukt be integrated into our lending platform?
Yes, Dedukt offers seamless API integration for lending platforms and financial institutions.Is Dedukt only available in Nigeria?
Currently focused on Nigeria with plans to expand across Africa.What does loan cancellation or stoppage mean on Dedukt?
It refers to the ability of employers or lenders to pause or cancel salary deductions when necessary.
Still have questions?
Reach out to Us.
Still have questions?
Reach out to Us.
