Zoeson

21/08/2025

18/03/2025

ZOESON Comprehensive Loan Management System Requirements

Introduction

ZOESON is seeking a comprehensive and cost-effective loan management system to streamline our loan operations, improve efficiency, and enhance customer experience.

System Requirements

1. _Loan Origination_: Automate loan application processing, credit scoring, and loan decision-making.
2. _Loan Servicing_: Automate loan repayment processing, delinquency management, and customer communication.
3. _Customer Portal_: Provide a secure online portal for customers to access their loan information, make payments, and update their contact information.
4. _Reporting and Analytics_: Generate real-time reports and analytics on loan performance, credit risk, and customer behavior.
5. _Integration_: Integrate with our existing accounting software, payment gateways, and other third-party systems.
6. _Security and Compliance_: Ensure the system meets all relevant regulatory requirements and implements robust security measures to protect customer data.

Technical Requirements

1. _Cloud-Based_: The system should be cloud-based to ensure scalability, flexibility, and cost-effectiveness.
2. _API Integration_: The system should have API integration capabilities to facilitate seamless data exchange with other systems.
3. _Mobile Accessibility_: The system should be accessible on mobile devices to enable our field loan officers to access customer information and perform tasks on-the-go.
4. _Customization_: The system should be customizable to meet our specific business needs and workflows.

Mobile App Requirements

The system should have a mobile app that allows customers to:

1. Apply for loans
2. View loan information
3. Make payments
4. Update contact information
5. Access loan documents

The mobile app should be available for both iOS and Android devices.

Website Requirements

We require a website that provides:

1. Company information
2. Loan product information
3. Online loan a

24/02/2025

Unlock Your Business Potential with ZOESON BUSINESS SOLUTIONS

Are you an entrepreneur or small business owner struggling to access financing? Do you lack credit history, adequate business documents, or collateral? Look no further!

At ZOESON BUSINESS SOLUTIONS, we empower underserved entrepreneurs and small business owners like you. Our financial solutions are designed to meet your unique needs:

- Flexible Repayment Terms: Customize your repayment schedule to suit your business needs.
- Competitive Interest Rates: Enjoy affordable interest rates that won't break the bank.
- Streamlined Application Process: Quick and easy application process to get you funded fast.
- Personalized Customer Service: Dedicated support team to guide you every step of the way.
- Financial Education and Resources: Empower yourself with knowledge and tools to grow your business.

Our mission is to bridge the financial gap for entrepreneurs and small business owners, providing the necessary funding to grow and succeed. Join our community today and unlock your business potential!

Ready to Get Started?

Contact us: +260 770 258 894

24/07/2024

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DEAR MARRIED MEN,

åNobody will tell you this but I will;
If you want to go far in life, love your wife, take good care of her, make her happy and her prayers will open doors for you.

åRemember when things go down healthwise or financially for you, only your wife will feed you and will be there for you. Most of your friends and side chicks will abandon you!

åAnd lastly, that lady you think is better than your wife, it's because she is not living with you. Bro, invest in your woman!

CLASS DISMISSED

Copy and paste

16/07/2024

"When you make a commitment, you create hope. When you keep a commitment, you create trust."-John C. Maxwell

08/07/2024

Everybody has problems, but not everybody wants to figure out how to solve them. Here’s what I’ve learned: reality is the foundation of problem solving. So, look at the problems in your life, take it all in, and then decide to find a way to figure out a solution! Otherwise there is always a way out to everything but take time to relax, focus and think in this busy noice world. I pray that you have a great week as God is always on your side. Believe me, you are a champion, a victor and an over comer. Go and achieve and let God receive all the glory.

See you at the mountain top

07/07/2024

How a leader deals with the circumstances of life tells you many things about their character. Adversity is a crossroads that makes a person choose one of two paths: character or compromise. And every time you choose character, you become stronger, even if that choice brings negative consequences.

Adversity doesn’t build character; it reveals it. The development of character is at the heart of our development as leaders!

25/06/2024

Successful leaders don’t focus on what they’re going through, they focus on what they’re going to and who they’re bringing with them. Don’t get so caught up in problems around you that you miss the people right in front of you.

07/06/2024

Everyone fails. Anyone you see succeeding is only succeeding at the things you're paying attention to--I guarantee they are also failing at lots of other things. The people I respect most are those who fail well. I respect them even more than those who succeed. That is because failing is a painful experience while succeeding is a joyous one, so it requires much more character to fail, change, and then succeed than to just succeed. People who are just succeeding must not be pushing their limits. Of course the worst are those who fail and don't recognize it and don't change.

30/01/2024

We need to get ready

📈 Market Insights: Fuel Price Hike Expected 🛢️

Fuel Price Surge on the Horizon

- Fuel prices in Zambia expected to rise by 6% to 7% by end of January 2024⛽.

- prices are expected to rise to K31.50 to K32.00 as of the announcement

- Zatu Financial Internal Fuel Expectations Tracker indicates the potential hike 📊.

- this will likely be the 1st hike in 5 months because global oil prices are no longer declining and thus are no longer offsetting the weakening kwacha.

- Weakening Kwacha hits a record K27/$ on the wholesale interbank market 💸.

- Brent crude prices climb to an 8-week high reversing the trend of declining oil prices in Q4-2023📈.

Exchange Rate Turbulence Continues

- Kwacha experiences 71 consecutive days of decline 📉.

- Only appreciated 49 out of 350 trading days in the past 18 months 📆.

- Debt negotiations linger, copper output remains weak, and consumer goods imports soar 📉.

- Zatu research team identifies FX as the primary driver of oil prices in 2023 💡.

Geopolitical Unrest Fuels Supply Concerns

- Ukrainian drone strike hits a Russian refinery; Houthi rebels attack ships and tankers 🚢.

- US-Iran tensions rise following deadly drone attack in Jordan by Iran-backed militants 🚀.

- Risk of stricter sanctions and Iranian supply constraints loom 🛑.

- The constraints could further constrain Iran's 1.5% of global oil supply and push Iran to block the Strait of Hormuz which controls 15% to 20% of Global oil supply.

- Brent prices in ZMW responsible for 40% to 42% of the pump price in Zambia 📈.

US Inventory Drawdown and Strong Economic Data

- USA witnesses largest oil inventory drawdown in recent times (9.2m barrels) ⛽.

- Rising demand supported by robust growth and retail sales data 📈.

- Speculations of a Fed rate cut by May 2024, driven by declining PCE inflation indicators 💹.

- Fueling increased commodities purchases, including Brent 🛒.

Impact on Zambian Consumers

- Transport costs, driven by fuel prices, second-largest contributor to Zambian inflation in 2023 🚚.

- Continued pressure at the pump anticipated in January 2024 ⚠️.

- Kwacha depreciation and global oil price hikes exacerbate consumer woes 💰.

Economic Resilience Amidst Inflation

- Zambia's economy exhibits resilience, surpassing expectations despite escalating inflation 💪.

- Promising growth prospects amid challenging market conditions 🌱.

Stay informed for further updates as the market landscape evolves. 📊

20/01/2024

LEARN TO LEARN FROM ANY SITUATION

When you face a difficulty, in order to get past it, you must strive to grow from it. Facing difficulties is inevitable, but learning from them is optional! When the unfortunate happen to you, stop self pity kind of behavior and move on. Let go and let God get involved then u will surely know that your bad situation was a blessing in disguise. Understand that God is always effectually at work within you both to will and to do his good pressure. You are a winner, a victor and not a victim. I Love You

08/01/2024

FUEL AVAILABLE
Fuel now, pay later
We at ZOESON have partnered with major fuel companies in Zambia to help individual drivers and fleet companies to have access to Quality and yet cheap fuel anytime and anywhere with the lowest interest on the market. At ZOESON, our Fuel Loan team is enthusiastic to providing you with the best service: We assist you with your inquiries for information; Provide you with new enlist and recharge forms; in liaison with customer service office we ensure your recharge is done in a timely fashion.

BENEFITS OF BECOMING OUR CLIENT ON THE FUEL LOAN PRODUCT
It’s convenient
ZOESON fuel now, pay later is fully integrated within an online store’s checkout, which makes the transaction process easy. You just opt to pay with the ZOESON fuel now, pay later on the online store at the checkout, instead of your standard credit card. That’s it.
ZOESON will sort out the payment plan and email it to you. Once you’ve created an account, purchasing through ZOESON is almost automatic. There’s no need to go to your purse or wallet for your credit card to fill out the details.

Fuel cards
Once you become a paid up member, you will instantly have access to a customized fuel card which will give you access to consume fuel at any filling station of your choice. The FUEL CARD is a fuel smart card, simple and efficient and designed to cater for your needs and your requirements. It enables you to control all your car-related budgets: fuel, car-care products and services like car wash. It is accepted at all our partnered fuel Service Stations across the nine provinces of Zambia.

You can optimize your fuel budget
Thanks to the detailed report of transactions, you can better control the consumption of your fleet.
With Total fuel cards, you receive the detailed report of transactions on a regular basis:
- No more expense claims.
- VAT recovery, much easier.
- Better control of purchases taking place in service stations.
- Better control of mileages and consumptio