“Can a fintech company unlock higher-education access in Pakistan by embedding an AI-driven credit-scoring layer between students and banks, originating and servicing study-fee installment loans at scale?”
EduFi was founded in Pakistan to address higher-education affordability through a 'Study Now, Pay Later' (SNPL) model — essentially Islamic Ijarah-based installment financing for university fees. The company positions itself as both a consumer-facing lending app and a B2B infrastructure layer, offering banks and liquidity providers access to its proprietary education-sector credit-scoring engine via a portal. The embedded finance angle is that EduFi acts as an originator and servicer routing loan disbursements directly to universities while banks provide the underlying capital.