Oze brings African small businesses into the digital era. It is an app that makes it easy for businesses to track sales, expenses, and customer information. The data is analyzed to provide tailored recommendations, reports, and business education. If the entrepreneur needs a little extra support, an Oze Coach is just a click away. As they are using Oze to manage their business and learn how to run it better, we are learning about them. Using this data and machine learning, we can predict their credit risk and provide them with affordable capital from our banking partners. With over 150,000 registered users, Oze is the largest online community of SMEs in West Africa. The most exciting thing is that Oze works, 97% of businesses that have used Oze for at least 9 months are growing or profitable or both!