Collaborative Finance
Unlock Key Insights to Grow Your Business with CoFi AI
Transform your operations using community-driven intelligence and embedded financial innovation.
What is CoFi AI?
4Pay’s CoFi (Collaborative Finance) AI is a powerful analytics engine designed to unlock intelligent insights across the financial and digital commerce ecosystem. Whether you’re a bank, telco, fintech, or merchant, CoFi AI turns your community data – or your own – into actionable opportunities for growth.
Who We Help.
Telecom Carriers
Embedding financial services to monetize their digital platforms
Banks & Credit Unions
Seeking data-driven lending and product strategies
Fintech Providers
Building smarter financial tools with predictive intelligence
Retailers & Ecosystem Partners
Who want to leverage fintech without starting from scratch
What CoFi AI Delivers.
Customer Behavior Analytics
Understand how customers engage, borrow, and spend
Opportunity Mapping
See what products will resonate with your markets
Risk Forecasting
Predict defaults, fraud, and churn with greater accuracy
Faster Time-to-Market
Reduce implementation time with pre-built modules and workflows
Data Flexibility
Use your own data, community aggregated insights, or both
Why CoFi AI Is Different.
CoFi AI sits at the intersection of fintech and telecom innovation — leveraging 4Pay’s ready-to-implement approach to financial enablement. Most of the solutions you need are already built – which means less development time, lower cost, and faster time to market.
Clients are Saying
We have consistently scaled to meet market demand. 4PAY made us the #1 LMs in Tanzania.
Ready to Transform
Your Business?
Take the next step toward
intelligent financial innovation.
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TORONTO
4PAY INCORPORATED
95 Mural Street, Suite 600
Richmond Hill, Ontario
L4B 3G2, CANADA
NEW YORK
4PAY US INC.
104 Charlton Street,
1-W (West Soho)
New York, NY 10014
DAR ES SALAAM
4PESA LTD.
NSSF NYERERE TOWER
3rd Floor, BIBI
TITI/MOROGORO ROAD
DAR-ES-SALAAM
TANZANIA