A Forward Thinking
AI Fintech Firm

GWCU is a Canadian financial technology company that operates in Africa to provide AI Credit Infrastructure financial services and asset financing. By leveraging technology, particularly the Internet, we are able to provide best in class service at terrific speed.

Our Partners:

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Our Partners

OUR OFFERINGS

Easy & Fast 3 Min Disbursement

Lending by Mobile for Rural West Nigerians by ML Algorithms and Artificial Intelligence.

Remittances from countries in North America to Africa

Along with a few words from our clients...

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    Chinedu, Lagos
    GWCU is...

    When an  an incubaotr for my baby GWCU processed really fast and without games. They didn’t judge—just delivered support exactly when I needed it.

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    Tunde, Ibadan
    GWCU is...

    After losing my job, I felt stuck. GWCU didn’t drown me in bureaucracy. They offered  me a motorbike and straightforward guidance about maintenance and training

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    Amina, Kaduna
    GWCU is...

    Business slowed and cash flow dried up. Banks kept delaying me, but GWCU approved assistance in hours. That speed literally kept my shop alive by providing me a generator. I owe them serious gratitude.

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    Onyeka, Enugu
    GWCU is...

    I had an emergency laptop expense and zero time to waste. GWCU funded me quickly, no hidden conditions. It was the kind of practical help Africans actually need.

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About the Firm

Access to credit in Africa takes too long; even if you can get it, it takes an average of 90 days. So individuals and companies in Nigeria are credit-starved.

Launched in January 2020 and headquartered in Toronto, Canada, GWCU Holdings uses proprietary technology incorporating psychometrics and artificial intelligence to adjudicate risk in regions of the world where credit is underutilized and unavailable.

We allow people in rural Africa, particularly women, the ability to access sustainable credit that is specifically tailored to their needs while strengthening the local financial markets by providing reliable credit scoring. Using our proprietary technology, our default rate was less than 1%

Our Investment Assets

GWCU offers asset financing to  people across africa by partnering with banks and telcos. It’s an easy 3-step process.

The service is available as a smartphone app and as a chatbot (on the whatsapp platform, amongst others). Borrowers can facilitate up to $5000 in asset financing in less than a minute. It’s easy, easily accessible, instant and convenient.

This market is not very technology-oriented, and technology does not play a severe role in it. Artificial intelligence helps us to have a less than 1% default rate. Also, the internet penetration among people has made it possible for us to lend to people through mobile phones and

Technologies that have improved in recent years and have helped the industry grow include artificial intelligence to measure risk and reduce default rates and the internet penetration among people to provide cheaper services.

Growth in credit availability and use is expected and projected to move upward