The Credit Scoring Engine
The platform has a machine learning based credit scoring engine (CSE) that scores the credit worthiness of customers based on their mobile data and bio data. This data sets give a 360 degree view of the customer from their habits to their income and expenditure frequencies and amounts.
The Fraud Mitigation Engine
The platform has an inbuilt real-time fraud mitigation algorithm that assesses the data integrity and flags potential customers that are deemed fraudulent.
You can get a micro lending app and platform customized to your needs that you can offer to your customers right away.
You can take advantage of our credit scroring platform by integrating your lending system with ours through the APIs that we offer.
Get code snippet to intergrate to your current ecommerce website to allow prequalified customers to purchase on credit.
We provide customizable dashboards with all customer details as you may need them to monitor your business performance..
Closed User Group Lending Businesses
Lending to pre-qualified clients such as employees of specific companies, specific retailers, members of SACCOs and Chamas.
The default risk is mainly mitigated by the closed user group internal processes. e.g. lending to SACCO members with a certain minimum fund balance, or the need for guarantors.
Open-ended Lending Businesses
Lending to the general public that meet certain criteria.
The default risk is mitigated through the credit scoring and fraud mitigation tools embedded in the lending platform.