Market intelligence
The conversations that end in no are the ones nobody else records.
Every mBenki interaction — in the field, in branch, at a call centre — becomes a structured data package: what the customer asked for, what they were offered, what they chose, what was declined, and why. Geotagged, timestamped, aggregated. It is a map of financial demand that includes the people the system currently turns away.
Request a data briefingWhy it exists
Most channels only know about the customers they win
What a lender usually sees
- Applications submitted
- Applications approved
- Its own book
What mBenki records
- Every inquiry, including the ones that never became applications
- The need first, then the solutions considered, then the preferences applied
- Where the conversation happened, when, and through which channel
- Why a customer did not proceed: ineligible, declined, chose elsewhere, changed their mind
The threat to an institution is not the lender across the street. It is the customer who has already decided elsewhere.
How it is generated
The Market Intelligence Engine
01
Sales conversation
A customer visits a branch, calls, sends a WhatsApp inquiry, or engages an agent or loan officer seeking product information.
02
Structured data packaging
Standardised workflows capture needs, demographics, preferences, objections and intent at the same time the customer is being served.
03
Business intelligence
Data packages are aggregated into insight for distribution, product design and growth planning.
The workflow order matters: establish the need, identify possible solutions, then apply preferences. That order is what makes the demand signal readable rather than a list of products pitched.
Who uses it
Three audiences, one dataset
Institutions
Demand signals by offering. Who you are not reaching and why. Design and price for demand instead of guessing from your own book. Delivered through mBenki Lead Manager.
Development finance and funders
Eligibility-loss reporting: where creditworthy demand is being turned away, and by what criteria. Georeferenced access maps. Evidence for programme design and impact measurement.
Regulators and researchers
Aggregated, anonymised views of financial access at province and district level. The gap between demand and supply, measured at the point of conversation.
Illustrative output
What a demand report looks like
| Need captured | Inquiries | Proceeded | Most common reason for not proceeding |
|---|---|---|---|
| Working capital, under K5,000 | — | — | — |
| School fees | — | — | — |
| Asset purchase | — | — | — |
Structure only. Figures are supplied under agreement, aggregated and anonymised. No individual customer or named institution is identifiable in any published output.
Data protection
Held as a registered data controller
- RegisteredmBenki Solutions Zambia is a registered data controller with the Office of the Data Protection Commissioner.
- ConsentCustomers consent before a lead is created. An inquiry is not a lead until they have.
- AggregatedIntelligence products are aggregated and anonymised. No individual is identifiable.
- SeparatedA partner institution's own application data is never shared with another institution.
Request a data briefing.
We will walk through the engine, the coverage, and a sample output relevant to your question.
Data briefing
For institutions, development finance institutions, regulators and researchers.
Request a briefingInstitutions: this is also part of every mBenki partnership. See Financial Institutions.