3 Easy Ways to Improve your Creditworthiness

Welcome to Tech My Money, a series that provides a real-life look into some practical tips you can use tech to make the most of your finances. Each installment dives into a financial concept that directly informs your money moves, and how to apply them using your smartphone.

Perhaps you may have come across the term “creditworthiness” when researching about loans. Creditworthiness is how a lender determines how worthy you are to receive a loan and what loan amount you are eligible for. It plays a major role when you need a loan application approved.

There isn’t an all-inclusive metric of being creditworthy — your likelihood of getting a loan approval also depends on a specific lender and the financial product. Your creditworthiness could even depend on when you apply, as creditors may sometimes loosen or restrict their requirements. Knowing what information lenders consider assists you in figuring out how to improve your chances of getting approved for a loan with favorable terms and helps you develop the habits you need to strengthen your overarching financial health.

Whether you have good credit, bad credit or need to start to build your loan history, everyone can benefit from developing some practical responsible financial habits. The journey to an excellent credit score is an intentional and tactical one. These three responsible financial habits can go a long way toward boosting your credit health.

Pay your debts on time, and if you can, earlier
Making on-time payments on all your loan accounts will help you maintain a good relationship with your lenders. Lenders care about the likelihood that you’ll pay back your debts.Doing so on time, every time establishes that you are trustworthy and should advance your overall creditworthiness. Making on-time payments on all your accounts including airtime advance services like Okoa Jahazi and mobile loans. If you have trouble keeping track of your bills, consider setting up automatic payments or payment reminders.

Check your credit report to see where you stand
If you have borrowed a loan before, you can access your credit report from a Credit Reference Bureau. In Kenya, we have three CRBs: Metropol, TransUnion & Creditinfo. It is good to check your credit report with all three agencies, in case one might be giving different information to lenders. If you spot any mistakes, contact the relevant agency as soon as possible and ask for them to be corrected. Checking your credit report can help you rebuild, maintain good credit and even observe any fraudulent behavior that may happen on your account.

Here’s how you can get your credit report from your phone:
credit report transunion
Build a positive bill-payment pattern
It is important to know that your credit report does not include information about your payment of utility bills, for example, electricity bills or water bills. However,  it is essential to pay these bills when they are due, or if you can, earlier. If you do not make payment on these services, some debt collectors may refer your debt to a credit reference bureau – asking them to record the default on your credit report.

As mentioned earlier, there isn’t an all-inclusive metric of being creditworthy. Your loan approval odds depend on the specific lender and the financial service they offer. However, knowing what information creditors consider could help you figure out how to improve your chances of getting approved for a new loan with favorable terms. Plus, it’s always important to build your financial knowledge and take control of your own financial health!

Here Is The Maximum Loan Amount You Can Get From Paylater

Paylater users can now obtain loans of up to N500,000

Get a loan from your phone, anytime within minutes
Paylater makes access to credit easy. No guarantors, no collateral, no wahala. You can apply 24/7 and receive funds in your account in as little as 5 minutes. Unlock higher loan amounts and lower interest rates by repaying on time.

Paylater Plus is the biggest addition to Paylater v2 and is available  to salary earners. These group of people can now access Paylater Plus loans of up to N500,000. They would also be required to provide supporting documents to back up their claims of employment. So a regular short term loan, in essence.

The new version also comes with an app redesign, different levels of loyalty badges, a referral system that helps users earn points when they refer other users to the app. Users can now access larger loans with lower interest rates, increased repayment periods, and in-app support with online chat.

The maximum loan request amount has been increased to N100,000 for recurring users, and loan repayment period on amounts over N20,000 have been increased to up to 90 days.  Interest rates have also being reduced interest to 4-10%, with the rates depending on your loyalty level.

When Paylater first launched earlier this year, first-time users could only borrow up to N10,000 at an interest rate of 1% per day, and loan repayment period for all users lasted between 15 to 30 days. Recurring users were offered a 0.5% interest rate with maximum loan request amount at N30,000.

Commercial banks are one of the many institutions that offer short term loans, but they would require the some paperwork, and will range from 3 months to a year in repayment time. The interest rates on this type of loans will vary with different banks.


Must Have Productivity Apps for April

New Month. New Week. If you’re planning to be more efficient and productive for the remaining part of the year, here are some new productivity apps, extensions and hacks and tips we have included to help you accomplish that goal.

These productivity apps are multiplatform meaning some support your Android phone, iPhone, Ipad, Pc, Mac and will work on the web too.

This is an iOS reminder app that lets you email notes to yourself. The notes could be map locations, tweets or just links.

Woven is a calendar event scheduling app for iOS, Mac, Windows and the web that lets you sync your work times with your friends if they have the same app. If they don’t, the app sends invite links and suggests times that work for everyone by checking when you and them are both free.

Microsoft’s Your Phone app
Microsoft’s Your Phone app does exactly that – it’s your phone on your Windows PC that lets you send and reply to texts among other things instead of grabbing your phone every time you need to respond or check something on your phone. In the near future, you’ll be able to do more than that including interacting with other apps on your phone.

Boomerang is an email add-on for Gmail, Outlook and as an app on your phone that pauses your inbox and lets you receive emails at a scheduled time when you’re free to act on them. This app lets you focus on more important things rather than checking your inbox for new emails.

Daywise is a notification app that schedules and bundles up your notifications for the appropriate times. We reviewed it here.

Spark is a new email app from Readdle. The app comes with features such as smart notifications and you also get to sort your mail by categories like personal, work and newsletters. It’s available for iOS, Mac and now Android.

Spike is another email app but in a messaging layout and you get your emails in chat bubbles. There’s even emojis and read receipts. It’s in all platforms Windows, Mac, iOS, Android and on the web. Spike is among the best Gmail alternatives.

Leave Me Alone
Leave Me Alone unsubscribes you from junk emails. The free version scans the past three days of emails for possible spam and upgrading to its one-time fee lets you scan back further. After identifying junk mail, you unsubscribe from their mailing lists – all with one click.

Remove.bg uses machine learning to remove backgrounds on your photos and extracts the foreground image automatically for sharing on social media. It’s free for basic edits but there are pricing options for high definition edits.

CircleUp is an app that reminds on follow-ups for things like meetings you’ve scheduled. The paid service scans your calendar to see if you’ve scheduled meetings you might have forgotten about and then emails you with a reminder. The service also generates a thank you note to send.

Action Dash
On Apple’s iOS 12 and Android Pie’s Digital Wellbeing feature, there are tools to limit app usage and manage your screen time. Action Dash is an alternative app if you’re still on Android 8 Oreo that does the same thing but even better with powerful customisations and a deeper experience with enhanced insights.

Squoosh is an app powered by Google’s compression algorithms. You choose an image and play around with the sliders to compress the image to your preference, you get to know the size of the final image and also get a side by side comparison with the original photo.


If you work from home a lot and have kids around or in place with a lot of background noise, Krisp removes such distracting sounds during conference calls for more than 150 calling apps such as Skype and Slack. It works by cancelling noise on your computer and applies to the caller or recipient.

That’s it for now. We’ll keep updating this article with the latest resources. Or read this one from early this year. Have yourself a productive month.

Huawei Shipped 59 Million Phones, Installed 70,000 5G Base Stations in Q1 2019

While it is not clear whether Huawei’s bad press that is rallied by the U.S. is substantiated or uncalled for, the Chinese technology equipment and mobile phone manufacturer has been doing very good in other markets if its recent earnings are anything to go by. The corporation, which has been banned from the U.S. market and some of the North American country’s allies from selling its phones or telecoms equipment (the phones do not sell in the U.S. officially, although Americans can purchase them from retailers or import them) has managed to make a name for itself by taking advantage of other markets, bearing in mind that the company has also laid groundwork for the deployment of 5G more than its rivals.

According to its financial report, Huawei’s first-quarter sales grew 39 percent from the preceding year to $27 billion. its net profit margin was about 8 percent, a higher value than it registered the year before.
The next wave of telecoms technologies and competition will be based on how fast carriers will launch 5G, and Huawei appears to be ahead of the curve. It has since been rumoured that its technologies are allegedly equipped with spyware and stolen technology, although other markets are skeptical of the negative coverage that is seen as a smear campaign. Huawei’s founder defended the company during the MWC 2019 after citing that some of its innovations are unique to the corporation, hence its upper hand in the 5G business.

At the end of March 2019, Huawei reported having shipped more than 70,000 5G base stations across the globe. It has also signed more than 40 commercial contracts with mobile phone operators.

During the first quarter, Huawei shipped 59 million smartphones. The numbers are projected to grow further, and profits will be pegged on its P30 series of phones that are ahead of the competition in terms of camera capabilities.

15+ Global crypto events you don’t want to miss in 2019

The longest January is behind us. And now it’s March. Did February even happen? So it’s about time we started thinking about which crypto-related events we’ll attend, and recommend you attend, too, in 2019.

crypto events 2019

A firm favourite is the World Blockchain Summit Series which takes place in various locations (as the name states) around the world. They’ll be in Nairobi, Taipei, Berlin, Singapore, India, Dubai, and Kuala Lumpur. All details, such as times, speakers and dates are available on their website.

Now, let’s break it down into regions - get your diary ready. Disclaimer: at the time of writing, the UK is still part of Europe (yikes).

europe crypto events

Global Fintech and Blockchain Forum 2019 in Amsterdam, Netherlands
When? 29 March
Details: This conference aims at presenting the latest up-to-date topics by lining up able Bitcoin, cryptocurrency, and fintech experts who would share their vision, knowledge and key insights. The forum will discuss the opportunities and challenges spurring this new innovation.

Stockholm Blockchain Forum in Stockholm, Sweden
When? 11 April
Details: Learn and discuss how blockchain can work within your business. Understand how blockchain enhances customer and supplier relationships. Grasp how blockchain enhances operational efficiency. Gain knowledge about how blockchain can increase your ROI.

Paris Blockchain Week Summit in Paris, France
When? 16 April - 17 April
Details: This summit is a huge affair, gathering more than 1,500 attendees and 100 speakers.
During two days, they take the main stage to discuss EU regulation, stable coins, decentralised exchanges, security tokens, scalability issues, recent advances in consensus mechanisms and many more. Renowned speakers from the best blockchain and digital asset companies in the world will share their stories and insights on the market and its prospects.

UK Fintech Week, United Kingdom
When? 29 April - 3 May
Details: Events across UK FinTech Week 2019 will aim to tackle the sector’s most pressing issues, from an international collaboration between FinTech Ecosystems to Brexit and Open Banking. All the while providing opportunities for the truly global community to converge and connect.

VivaTech in Paris, France
When? 16 May - 18 May
Details: VivaTech is the world’s rendezvous for startups and leaders to celebrate innovation together. It’s a gathering of the world’s brightest minds, talents, and products taking place in Paris on 16–18 May 2019.

European Blockchain Convention 2019 in Copenhagen, Denmark
When? 20 May
Details: The European Blockchain Convention Nordic Edition is a comprehensive one-day conference that brings together 500+ industry leaders, regulators, politicians, investors, developers, CTOs, lawyers, and entrepreneurs.

Money 20/20 Europe in Amsterdam, Netherlands
When? 3 June - 5 June
Details: An unmissable event for the smartest visionaries and innovators, Money20/20 is where the payments, FinTech, and financial services industries come together to connect and build the future of money. From industry institutions to up-and-coming innovators, everyone is here, every time. Businesses come together to explore unique regional insight and trailblazing enterprise, seizing the opportunity to meet the person or land the deal that will change the trajectory of their business.

CoinsBank Blockchain Cruise 2019 in Palma de Mallorca, Spain
When? 9 June - 13 June
Details: Blockchain Cruise gathers more than 2000 attendees for a four-day trip around the Mediterranean. It’s aimed at allowing attendees to build powerful connections to drive the industry forward, participate in game-changing dialogue, and foster new partnerships. The results speak for themselves. There’s simply no other blockchain conference like it.

CryptoConf in Dublin, Ireland
When? 10 June - 12 June
Details: The emergence of blockchain and distributed ledger technologies have dominated headlines and captured growing public and corporate interest in recent years. A sequence of massive growth spurts in cryptocurrency and digital assets have evolved into an increasingly substantial series of investments from the world’s smartest minds and money. Hear from some of the biggest names in the blockchain game at CryptoConf.

Blockchain Summit London in London, United Kingdom
When? 10 June - 12 June
Details: “Blockchain Summit London is the leading blockchain-for-business event in Europe.”
Connecting industry leaders, business decision-makers and tech innovators, Blockchain Summit London is a 2-day conference and exhibition dedicated to the business of blockchain and distributed ledger technology (DLT). Based on unrivalled content, visionary speakers and exceptional networking opportunities, Blockchain Summit London is a must-attend event to understand the challenges and opportunities of our blockchain future.

Blockchain Live in London, United Kingdom
When? 25 September
Details: Blockchain Live connects the fragmented blockchain eco-system to advance the global dialogue and journey of taking blockchain to the mainstream and mass adoption to build a better more decentralised world.

Fintech Connect in London, United Kingdom
When? 3 December - 4 December
Details: FinTech Connect is the leading event which large teams from major banks, insurers, capital market firms, and investors attend to assess and make informed buying decisions on the latest innovations that are changing the face of the sector.

Africa crypto events

Blockchain Africa Conference 2019 in Cape Town, South Africa
When? 6 March
Details: Africa’s leading blockchain and cryptocurrency conference aims to explore how this technology can simplify and streamline systems and processes across various industries to reduce time, costs and fraud, become highly secure and transparent, and remove human error and inefficiencies. Marcus Swanepoel, will be speaking at the event in Cape Town so make sure you don’t miss out on this one!

Luno Meetup Joburg in Johannesburg, South Africa
When? 14 March
Details: For those of you who are curious about crypto, and ready to explore the future: we invite you to an evening of networking with industry thought leaders, and getting the inside scoop on all things crypto. There will also be a lucky draw giveaway with awesome prizes (including an Apple TV, JBL Wireless Speaker, and JBL Headphones), so we’re pretty sure you don’t want to miss this. Tickets are limited so reserve yours early.

Women in Tech Africa Summit in Cape Town, South Africa
When? 18 March - 19 March
Details: Women in Technology Africa 2019, taking place in Cape Town, is part of the world’s biggest Women in Tech conference series. This groundbreaking conference enables people and organisations to connect, learn and take action on gender diversity and inclusion in the world’s fastest growing industry.

Fintech Blockchain Summit in Lagos, Nigeria
When? 27 September
Details: Cheetah Africa has created the Fintech Blockchain Summit to provide a platform for the blockchain and fintech industry bigwigs to connect. It will also provide the necessary support structures for indigenous startups through opportunities of pitching and meeting up with investors.

United States
united states crypto events

Consensus 2019 in New York, United States
When? 13 May - 15 May
Details: Consensus is the annual gathering of the cryptocurrency and blockchain technology world. Since 2015, Consensus has attracted every major company, developer, founder, and investor in the cryptocurrency and blockchain world to engage in an annual discussion about the future of the industry. Consensus is designed to be a big tent for the industry: it convenes industry participants ranging from enterprise consortia to cypherpunks.

asia crypto events

TOKEN2049 in Hong Kong, China
When? 13 March - 14 March
Details: TOKEN2049 organizes the premier digital asset event in Asia on 13-14 March 2019 in Hong Kong, where we explore the token economy in-depth. We are shining a light on the global developments of this new asset class while taking a unique and widening perspective on the token industry and its opportunities.

Blockchain Investors Summit in Singapore
When? 14 March - 15 March
Details: “BIS Singapore is the #1 upcoming conference in Asia for investors and blockchain startups to connect, network, expand their horizons together.” With 40+ blockchain startups, 50+ profiled investors, 40+ expert speakers, and 250+ on-invite attendees, BIS Singapore is set to be an exclusive gathering of prominent industry movers.

TechXLR8 Asia in Singapore
When? 10 September - 12 September
Details: TechXLR8 features over 300+ leading speakers across IoT, AI, 5G, NFV, blockchain, and startups.

What crypto-related events have you got in your diary for the upcoming year? Tweet us and let us know.

Infinix S4 Is Finally Here to Redefine Budget SmartPhones

Infinix has just launched its llatest addition to its S Series, the Infinix S4. The Infinix S4 continues to focus on the selfies camera and Infinix has been teasing about it, well, now it’s finally here.

Speaking during the launch, Livingston Migwi – Transsion Business Development Manager noted how the Infinx brand has grown not only in Africa but in East Asia and in the Middle East operating in Nigeria, East Africa, Indonesia and in Dubai, UAE.

He also announced that they just launched an Infinix concept store in Morocco, aptly named Infinix Spark where staff, partners and customers will get to experience Infinix current and new products.

Here’s what to expect from the Infinix S4
The S series by Infinix is focused on the selfie taking audience and it’s other specs will shake up the very competitive budget category dominating the Kenyan smartphone market.

The Infinix S4 features a beautiful 6.2 inch HD display with a resolution of 720 by 1500 pixels with 2.5D glass covering on both the front and rear of the phone. On the front, you get minimum bezels plus the new waterdrop notch for maximum screen real estate. On the back, you get the square fingerprint reader

The Infinix S4 runs on XOS v5.0 Cheetah on top of Android 9.0 Pie which is a first for InfinxI. On the Infinix S4, we either get 3 GB or 6GB of RAM so expect fast performance by the MediaTek Helio P22 processor coupled with 32GB or 64 GB of onboard storage expandable to 128GB via a microSD.

Let’s shift to the optics the Infinix S4 packs. There’s a triple rear camera set-up that features a 13MP, an 8MP and a 2MP wide angle sensor aligned vertically next to the quad LED flash. On the front you get, a 32MP AI-powered selfie camera. Camera modes include Portrait mode, panorama, auto HDR among others which we’ll get to lay around for our first impression and full review.

A 4000mAh battery Powers up the Infinix S4. The phone comes in a variety of colors including Milan Black, Blue and Purple.

Where can I get the Infinix S4 and for how much?
The Infinix S4 can be found on Infinix’s e-commerce site, Infinix Mall for N45,000 for the 3GB and 32GB storage variant and NGN60,000 for the 6GB RAM and 64GB storage variant. Other retailing partners include Jumia, Kilimall, and other physical stores.

Lipalater is also available with pocket friendly financing options.

Pre-orders go live from today till the 22nd of April.

List Of The Best Donation Management Software

Thousands of organizations have used Capterra to find the best donation software. Compare product reviews and features, and learn from our Nonprofit Software Research.

Zoho Creator
by Zoho
Manage details of your non-profit's donors. Classify them by interests, run fundraiser campaigns, and track overall donations. Customize this app for the web, Android, iPhone, and iPad. Try for free! Learn more about Zoho Creator

by Nuverb Systems
"Save time and get more done, with fewer headaches." Easily keep track of your donors, donations and pledges - starts at $47.98 (one-time cost, no monthly fees; no accounting or payroll) Record source/motivation codes for each donation. Send out personalized letters, emails and text messages for fundraising. Issue yearly tax receipts or one with each donation. Print receipts or send them by email as encrypted PDFs. Share data like web-based software without the monthly fee. PC or Mac. Learn more about Donarius

Donor Tools
by Higher Pixels
Donor Tools is donor management software for non-profits and churches. Donor Tools is simple, affordable, and online. Learn more about Donor Tools

by Doxess
ClubRunner enables your group to build their web presence, improve membership collaboration, automate administration and more. Learn more about ClubRunner

Successfully manage the donor relationship lifecycle in order to maximize campaign revenues and minimize FEC compliance risks. Learn more about Crimson

Donna Interactive Suite
Non-profit management tools all in one. Learn more about Donna Interactive Suite

Donor Manager
by Canborough Computer Systems
A software tool for independent schools & charitable organizations to deal with donation tracking & tax receipt printing needs. Learn more about Donor Manager

A donation management solution helping nonprofits track donors and campaigns to grow their organization by keeping organized. Learn more about Donor-Soft