Understanding the Structure of a Successful Digital Credit Provider in Kenya. Kenya's financial services sector is embracing FinTech, with digital credit providers like Tala, Zenka Digital, and Ksmart leveraging AI, machine learning, robotic process automation, data analytics, and blockchain. A fintech in the lending space may cater to various kinds of product offerings, which can be broadly categorized as follows: 1. Consumer loans 2. Personal loans 3. Business or MSME (Micro, Small, and Medium Enterprise) loans 1. What are the critical back-end tech solutions/integrations needed? 1. Customer acquisition 2. Application, website, and/or app 3. Verification APIs 4. Credit underwriting/ Scorecards/Fraud detection 5. Credit Bureau Integration 6. Automatic analysis of qualitative factors 7. Disbursement/Repayment 8. Collection/Recovery 9. Loan Management System (LMS)/Accounting 10. Legal Let's delve deeper into each of the above for a deeper understanding. 1.1. Customer acquisition Drawing in customers is a top priority for any fintech. There are various methods or sources through which a DCP acquires its customers. The customer acquisition process may differ for each lending institution depending on their product, the area in which they operate, the customer profile, etc. To attract potential borrowers, leverage digital marketing strategies, social media, and partnerships with relevant platforms. Focus on providing a seamless user experience to make your platform stand out from existing or traditional lenders. 1.2. Application, website, app or USSD Develop a user-friendly and intuitive digital platform for borrowers to apply for loans easily. Mobile apps have become increasingly popular in Fintech, allowing users to access services conveniently. Consider application login through Gmail, social media, and so on to enable the user to seamlessly log in to the mobile application for the website without creating any new login credentials. At the same time, this also provides the Fintech with the profile of the loan applicant. Do you need customers to upload documents for KYC/AML verification? Ensure your platform allows uploading these documents and has back-end integration to verify the documents' authenticity. Consider using the different available Optical Recognition Technologies (OCR), which should be able to read the data from the documents provided and create the text. For verification and authentication of the information in the documents, the Fintech can develop its software and subscribe to various services or do an API integration with a service provider who can provide such services. The main goal is to give users a comfortable journey, so they must manually type minimum information. 1.3. Verifying APIs Integrated person’s registry system (IPRS) is Kenya'sKenya's reputed organization providing APIs for KYC, Identity, etc., suitable for all lending businesses. The IPRS system aims to consolidate population information into a

2. EMAIL WRITING

3. WHAT IS AN EMAIL
• Email is currently the most used
communication channel in the business
environment , as business rely on it
heavilyfor sendingmessagesacross
long distancesin a short time .
• Business emailetiquette encompasses
a set of rules indicatingeffective , proper
and polite ways to behave when sending
and receivingemails . The rules of
etiquette are focused on how messages
should look and on what they should
contain .

4.  Marks allotted for email writing in 10th exam and ICSE is 5 marks .
Also included in TCS .

7. TYPES OF EMAILS
 Formal Email
 Semi - Formal Email
Informal Email

8. DEFINITIONS
FORMAL EMAIL :
An emailwritten for business communication or professional use
comes under this category. The email written for any government
department, school authority, company or any officers are the formal
emails. Useof polite and formal words, the reason for writing mail,
clarity, proper greetingand closingare some of the rules of the formal
email.
SEMI – FORMAL EMAIL :
An email written for any teammates or colleague is the
semi-formal email. One can use friendly language but have to
maintain the limit and the decency. The length, proper greetings
and closing and clarity are some of the rules of the semi-formal
emails.

9. INFORMAL EMAIL :
An email written for any friends, family
members or relatives comes under this
category. Use of polite, friendly and casual
words along with proper greetings and
closings are some of the rules of the informal
emails.

10. FORMAL EMAIL SAMPLE
A MAIL FOR RESIGNATION
To : XYZ@gmail.com
CC / BCC : ( optional)
Subject : Resignation letter
Dear Sir ,
Please accept this mail as a notice that I am leaving my position with its organization . As
per norm of the company I’ve to give a month notice before resigning . I hope you will get
a good replacement for me within this time period . I really appreciate the opportunities
that I have been given to me to help me grow . Wish you and the company the best in the
future . Please let me know what to expect as far as my final work schedule and the
employee benefits . Please let me know in case of any assistance for the
Above .
Kindly look into the matter .
Thanks and Regards
LMN
( Project Head)

11. SEMI FORMAL EMAIL SAMPLE
WRITING A EMAIL TO INFORM YOUR CLASSMATES REGARDING
INTRA – COLLEGE QUIZ COMPETITION .
To: XYZ@gmail.com
CC/BCC: ( optional)
Subject: Intra-college Quiz Competition.
Hello Everyone!
This is to inform you guys that an intra-college quiz competition is going to be held
in our college on Nov 25 from 11:30 am in Hall – 01.Everyone is therefore asked to
take part in the competition so that our department can win.For further queries,
feel free to contact me.
Thanks
LMN
(Class Representative)

12. INFORMAL EMAIL SAMPLE
SUPPOSE YOU HAVE TO WRITE AN EMAIL TO YOUR
FRIEND INVITING HIM OR HER TO YOUR BIRTHDAY
PARTY .
To: XYZ@gmail.com
CC/BCC:
Subject: Invitation to a birthday party
Hi XYZ!
Hope this mail finds you in the best of your time. I am very
happy to invite you to my birthday party on Nov 03 at ABC Hotel
from 7:00 pm to 10:00 pm. The theme of the birthday party is
‘Pirate of the Caribbean”. It would be great if you come and join
us at the party. We will have a great time and fun together.
See You Soon
LMN

28. DONEBY:
NAME: AISHVARYATAMILARASOO
CLASS: 8
SECTION: D
SUBJECT: ENGLISH