At CedisPay, our distinctive approach is rooted in a set of guiding principles that shape every facet of our organization. These principles encapsulate our commitment to customer-centricity, continuous improvement, and a relentless pursuit of excellence.

• Responsible Growth Principle: At CedisPay, responsible growth is not just a strategy; it's a fundamental principle that guides our journey. This principle serves as the bedrock of our values, principles, and overarching purpose. We've meticulously structured our company to not only fulfill its mission but to also define operational principles that stand as a testament to our commitment. Key Pillars of Responsible Growth:
  • Growth with Accountability (We Must Grow — No Excuses): We embrace growth with accountability, acknowledging that progress is non-negotiable, and we make no excuses in our pursuit
  • Client-Centric Approach (We Have to Be Client-Focused): Our endeavors are anchored in a client-centric approach, ensuring that our customers remain at the heart of everything we do
  • Risk-Aware Growth (We Have to Grow Within Our Risk Framework): Expansion is essential, but it must align with a predefined risk framework, reflecting our commitment to prudent growth
  • Sustainability in Growth (Our Growth Must Be Sustainable): Sustainability is the cornerstone of our growth, encompassing operational excellence, fostering a rewarding work environment for our teammates, and sharing success with the communities we serve. Our dedication to responsible growth extends beyond mere business metrics; it's a holistic commitment to creating positive impacts for our customers, teammates, shareholders, and society at large
• Responsible Lending Practice: At CedisPay, we extend loans based on our commitment to responsible lending. Responsible lending is a fundamental aspect of how we conduct ourselves at CedisPay. Doing things "the right way" is a core value that permeates every aspect of our operations, from lending practices to our hiring processes and beyond. Acting as a responsible lender means prioritizing our customers' best interests, ensuring affordability, providing transparency in terms and conditions, and offering support to borrowers facing repayment challenges. At CedisPay, our principles of responsible growth and responsible lending practice are the cornerstones of our commitment to serving our customers with integrity, transparency, and a focus on their well-being
• Customer-Centric Growth Mindset: We prioritize activities that benefit the customer, ensuring their needs are met efficiently and profitably. A growth mindset propels us to continuously enhance customer experience, refine risk management practices, and optimize operational efficiency. We Frame Every Move using 4 questions:
  • Will it Help the Customer
  • Are We Incentivizing the Customer to Do the Right Thing
  • How Efficiently Can We Execute This Activity
  • Can We Earn Enough to Sustain Customer Needs (Profit)
• Integrity: Upholding the highest ethical standards, we build trust by consistently demonstrating honesty, transparency, and accountability in all our endeavors
• Collaboration and Teamwork:
  • Through collaborative efforts, we leverage the collective strength of our teams to achieve common goals, fostering an environment where diverse perspectives contribute to innovative solutions
  • We work closely with external partners, building bridges to extend our reach and capabilities
  • CedisPay recognizes that the business environment is constantly evolving, with new players disrupting the landscape. Rather than attempting to control every aspect, we adopt a collaborative approach
  • We believe in building where necessary, acquiring when appropriate, and collaborating with various stakeholders. Our vision of financial inclusion and scaling is viewed through the lens of an ecosystem and is achieved through collaboration with customers, mobile network operators (MNOs), banks, agents, financial institutions, and government institutions
• Ownership:
  • Leaders at CedisPay think long term, acting as stewards of the entire company. They embrace ownership, avoid short-term compromises, and never shy away from responsibilities beyond their immediate teams
• Invent and Simplify: We foster a culture of innovation and simplicity, expecting our teams to think creatively and find ways to simplify processes. Our leaders actively seek external ideas and remain open to unconventional solutions. Our innovation framework is summarized through the ABC approach:
  • Architect:
    • Team, Culture, Process, System: We build a culture of innovation within CedisPay, fostering the capabilities required to encourage every team member to innovate. This extends from frontline workers to senior executives
    • Attracting Ideal Customers: We target the right customers and create solutions that cater to their specific needs
    • Client Value Creation: Our innovation is geared towards creating value for our clients through new and improved services
  • Bridger:
    • We work closely with external partners, building bridges to extend our reach and capabilities
    • This involves partnerships with other fintechs, retailers, merchants, pension trustees, insurance companies, loan servicing companies, associations, employers, car dealers, and various other entities to expand our service offerings and create new opportunities for our customers
  • Catalyst:
    • CedisPay recognizes that the business environment is constantly evolving, with new players disrupting the landscape. Rather than attempting to control every aspect, we adopt a collaborative approach
    • We believe in building where necessary, acquiring when appropriate, and collaborating with various stakeholders. Our vision of financial inclusion and scaling is viewed through the lens of an ecosystem and is achieved through collaboration with customers, mobile network operators (MNOs), banks, agents, financial institutions, and government institutions
• Learn and Be Curious : Leaders at CedisPay embody a commitment to continuous learning. They are curious about new possibilities, embracing a proactive approach to self-improvement and exploration
• Hire and Develop the Best : Our leaders raise the bar for performance with every hire, recognizing and developing exceptional talent. They actively contribute to the growth and development of their teams
• Excellence – Insist on the Highest Standards : Relentlessly pursuing excellence, our leaders set high standards for quality in products, services, and processes. Defects are not tolerated, and problems are addressed promptly
• Think Big : CedisPay leaders think beyond conventional boundaries, fostering a culture that encourages bold thinking and unconventional approaches to serving our customers
• Bias for Action : Recognizing the value of speed in business, we encourage calculated risk-taking. Decisions are made promptly, with an understanding that many actions are reversible
• Frugality : Accomplishing more with less, we embrace resourcefulness, self-sufficiency, and invention. Constraints drive innovation, and we focus on efficiency rather than unnecessary growth
• Earn Trust : Leaders at CedisPay build trust through attentive listening, candid communication, and respectful treatment of others. They are self-critical, benchmarking against the best for continual improvement
• Dive Deep : Operating at all levels, our leaders stay connected to details, frequently audit processes, and maintain a healthy skepticism when metrics and anecdotes diverge
• Have Backbone; Disagree and Commit : Leaders respectfully challenge decisions, demonstrating conviction and tenacity. Once a decision is made, they commit wholeheartedly, avoiding compromises for social cohesion
• Deliver Result : Focused on key business inputs, leaders deliver with the right quality and timeliness. They rise to the occasion despite setbacks, ensuring objectives are met
• Fulfilled Employee : Leaders prioritize creating a safe, productive, diverse, and just work environment. Leading with empathy and promoting a culture of growth and empowerment, they are committed to the personal success of every employee, both at CedisPay and beyond