How Roda Redefines Electric Mobility and Financial Inclusion with AI
Jan 21, 2025
⏳Reading time: 2 minutes
Across Latin America, thousands of gig and last-mile workers face steep challenges in improving their earnings and accessing financial tools. Traditional lending barriers frequently exclude migrants, young workers, and entrepreneurs.
At Roda, we’re reshaping this reality. By combining artificial intelligence and cutting-edge technology with a strong social mission, we’re unlocking opportunities for those who need them most. Our purpose is simple yet profound: to prove that technology can move more than vehicles; it can move dreams.
Innovation That Transforms Lives
The core of our impact lies in an inclusive credit scoring model designed to look beyond traditional data. We use AI to evaluate risk profiles more fairly and accurately, allowing individuals excluded from traditional financial systems to access high-quality electric vehicles.
Tangible impact:
Delivering over 10,000 loans in cities like Bogotá and Medellín, including financing the Guajira e-bike, a vehicle designed to maximize efficiency in last-mile deliveries. Each loan represents a sustainable income opportunity for our users.
One of those success stories is Lucho, a delivery driver in Bogotá who has improved his quality of life thanks to the Guajira electric bike. Not only has he boosted his earnings, saved money, and enhanced his health, but he’s also on the verge of fully owning his bike.
Roadmap 2025: AI with Social Impact
At Roda, technology is not an end in itself—it’s a tool for creating real value. With a clear focus on improving lives and optimizing processes, we’ve outlined an ambitious roadmap for 2025:
Refining Our Credit Scoring
Our model will continue to evolve with new adjustments and ongoing learning. Every improvement allows us to say “yes” to more people, extending our social impact.
Roda Assist
An AI-powered assistant designed to handle credit inquiries and automate 60% of collections communications, all through WhatsApp and our web platform.
CollectX AI
A generative AI tool that automates collections, streamlines payment agreements, and helps us understand the root causes of delinquency.
Dunning Process Predictivo
An advanced system that optimizes collections management by preventing defaults and offering personalized refinancing options.
Social Risk Analytics
Leveraging advanced analysis of personal and community networks—such as friend-of-a-friend connections and family ties—to identify risky behaviors and prevent fraud, ensuring greater transparency and trust.
These developments will not only boost our operational efficiency but also broaden our social impact, allowing us to reach more people with inclusive and innovative solutions.
Impact Beyond Mobility
At Roda, we’re doing more than financing electric vehicles—we’re paving pathways to a more equitable and sustainable future. Each e-bike financed, each automated process, and each enhancement to our credit model means one thing: more lives transformed.
Curious to learn more about how we’re driving change?
Follow our blog and join us on this journey to prove that electric mobility and artificial intelligence can move the world toward a more inclusive and sustainable future.
With Roda, electric mobility doesn’t just move vehicles—it moves lives and dreams. 🚲✨
