New Way Now: 4G Capital empowers micro, small, and medium enterprises with a data-driven loan engine

*Featured in this video:* Roseanne Masila, Chief Operations Officer, and Edgar Rivera, Chief Technology Officer at 4G Capital *Executive Summary:* 4G Capital uses Google Cloud to deliver smarter credit to small businesses, driving sustainable growth and financial inclusion across Africa. The company offers secure capital loans along with financial education to its customers. By building its IT infrastructure on Google Cloud and redesigning its core banking system with a serverless approach based on Cloud Run, the company improves credit risk management and helps micro, small, and medium enterprises access the right credit products for their needs. *Challenge:* 4G Capital has grown quickly, with a record number of new customers onboarded this year. 4G Capital lacked a unified view of its data, limiting visibility and slowing operations. Its existing core banking solution also became increasingly inflexible, and the team couldn’t develop the data-driven credit engine they envisioned.. *Solution:* Using Google Cloud, 4G Capital built a modernized IT infrastructure running in-region to improve its internal systems and enable its field staff to work more efficiently. The company then developed an in-house loan engine, specifically designed to use the serverless capabilities of Google Cloud’s Cloud Run. Fully integrating the loan engine with Pub/Sub means that it can process events and streaming data for a faster, more flexible product that allows employees to respond more effectively and serve more customers. 4G Capital has also deployed Google Kubernetes Engine, Cloud Storage, Apigee, Vertex AI, and BigQuery for a flexible, fast infrastructure. *Results:* Since moving to Google Cloud, 4G Capital now has a single, unified view of their data, so they can better manage credit risk for customers and help them access their loans faster. 4G Capital has already increased employee productivity, leading to more business growth and record numbers of customers introduced to