Data Loan — borrow mobile data
Data Loan keeps subscribers online through an empty-data moment, and recovers the advance on their next recharge.
What is Data Loan?
Data Loan is a telecom service that allows subscribers to borrow mobile data when they run out, ensuring uninterrupted browsing, social-media access, and app usage even without an active data balance.
The borrowed data and a service fee are recovered on the next recharge. MBT operates the scoring, disbursement, and recovery platform, integrated with the operator’s data charging systems.
How Data Loan works
- 01
Data runs out
A subscriber exhausts their data bundle mid-session.
- 02
Request
They borrow a data pack via USSD, SMS, or app; eligibility is scored instantly.
- 03
Stay online
Data is provisioned immediately so browsing and apps continue.
- 04
Recover
The advance and fee are deducted at the next recharge.
Key features
Instant data provisioning
Borrowed data is applied in seconds to avoid disruption.
Smart eligibility
Advance sizes adapt to each subscriber’s usage and recharge behaviour.
Automatic recovery
Settlement happens on the next top-up with no manual action.
Charging integration
Directly integrated with operator data charging and PCRF.
Business impact
- Keeps subscribers online during zero-data moments, protecting data ARPU.
- Adds fee revenue with automated recovery.
- Pairs with Data Transfer and SIM Credit for a complete data toolkit.
Data Loan — frequently asked questions
What is Data Loan?
Data Loan is a telecom service that lets subscribers borrow mobile data when they run out, so browsing, social media, and apps keep working. The data and a service fee are repaid on the next recharge.
How is Data Loan repaid?
The borrowed data allowance plus a service fee is recovered automatically from the subscriber’s next recharge.
How much revenue does Data Loan generate?
On a network of one million subscribers, Data Loan generates on average +5m AFN per month while protecting data ARPU.
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