SikaTap

SikaTap is an Android mobile credit app for individual consumers in Ghana who need short-term loans for everyday financial needs.

Key capabilities include:

• 4-step loan application flow: download and register, submit required information for credit assessment, wait for system review, then receive funds after approval.
• Automatic coupons that reduce costs or improve terms: eligible users receive and apply coupons automatically (no manual action), including repayment discounts, service fee discounts, credit limit increases, and tenure extensions. Coupons can be active for the current application or pending for a future loan, depending on eligibility and repayment history.
• Transparent pricing communication: the app discloses interest rates upfront, calculated based on loan amount, repayment term, and the borrower’s creditworthiness.
• Security and risk assessment: the service uses encryption to protect customer information and AI-based eligibility assessment to manage risk; customer data is used strictly for eligibility assessment purposes.

Available on Android (Google Play). The website functions as an information and support page.

Designed for B2C borrowers in Ghana, including legal residents aged 18+ with a valid ID and mobile phone number.

Notable in the Ghana market for combining app-based credit with an integrated coupon system that rewards responsible repayment and can lower service fees or unlock better loan conditions over time.