Turning everyday data into financial access

Our platform is designed for banks, microfinance institutions, digital lenders and BNPL providers that want to extend credit to thin-file or underbanked customers.

Our machine learning models analyse a range of anonymised data sources to estimate a borrower’s probability of default (PD). The models are regularly retrained to adapt to changing market behaviour.

Depending on integration and consent, we can use wallet data, airtime and data usage, utility payments, POS transactions, bank statements and previous loan histories.

Yes. We comply with the Nigeria Data Protection Regulation (NDPR) and align with GDPR standards. Data are encrypted at rest and in transit, and never shared without explicit consent.

Absolutely. We provide REST APIs and webhooks that connect easily to loan origination systems, CRMs or internal dashboards.

We run fairness and bias audits across gender, region and income groups. All decisions include reason codes to promote transparency and accountability.

Our team assists with data mapping, model validation and pilot testing. We also provide documentation and periodic model performance reviews.

Unlike traditional bureaus, we focus on behavioural and transaction data rather than only historical credit information, allowing lenders to reach new, underserved borrowers.

You can begin by booking a demo. We’ll assess your data environment, run a pilot with your existing customer data and provide a full integration plan tailored to your lending process.