Credit service providers are one of the most important sources of credit to the unbanked population. They provide quick and flexible credit facilities to the public. The less stringent credit appraisal process promotes accessibility of credit services to the unbanked population. Most credit service providers use Esacco for their online lending activities. Esacco also forms the back office core that manages the appraisal process, repayment, accounting and bookkeeping, reporting and business intelligence, SMS and Email Communication Channel among others.