USSD and SMS Infrastructure: Alajo offers a user-friendly platform for users to access financial facilities and services through USSD and SMS Infrastructure, which is easily accessible by non-smartphone users.

Data Analytics through AI/ML: The platform integrates data analytics through AI/ML to help users save money every day and keep their financial records, while also providing advice to help users make better financial decisions.

Credit Score System: Alajo uses financial records to develop a credit score system for users, which helps them to access more financial facilities and services.

Financial Inclusion: Alajo provides financial facilities and services to the unbanked and underbanked Africans, particularly those in unstructured businesses, with proper data and insights received from digitized cash.