ubiiapp

UbiiApp, one of the country’s fastest-growing consumer financing apps, has redesigned how it assigns credit limits to users. Instead of a flat model where everyone starts with the same limit and follows the same ladder, the platform has introduced a system with twelve sublevels that rise or fall depending on each person’s payment behavior. The company presented it as an effort to “democratize” access, though in practice it is a more sophisticated approach to risk: rewarding customers who pay on time with greater purchasing power and penalizing late payers by keeping them stuck.