Explainable, not a black box
Lenders in regulated markets must justify a decision to a borrower, a committee and a supervisor. Every AfriScore score ships with feature-level reasons and what could change it.
About AfriScore
Alternative credit scoring for the people credit bureaus never reached
AfriScore is a B2B credit intelligence platform. It turns mobile money, airtime and utility data into explainable credit scores for banks, microfinance institutions, digital lenders and credit unions across emerging African markets.
Every score comes with its reasons.
Plenty of digital footprints, very little formal credit
Mobile money has reached millions of adults who have never had a credit file. Yet few of them borrow formally. Traditional credit bureaus were not built for people whose financial lives run through a phone, so many creditworthy people and small businesses have no record to prove it.
- 40%
- of adults in Sub-Saharan Africa held a mobile-money account in 2024, up from 27% in 2021
- 24%
- of adults in low- and middle-income economies borrowed formally in 2024
Source: World Bank Global Findex 2025.
What AfriScore does
- 01
Reads the footprints
Mobile money summaries, utility payments, airtime patterns and device metadata arrive through a secure API. No bureau file is needed.
- 02
Scores in well under a second
A calibrated machine-learning model returns a credit score, a risk tier and a probability of default.
- 03
Explains every decision
Every score lists the factors behind it and what a borrower could change. The lender keeps the decision.
Three principles we build by
Runs where your data lives
Many institutions have strict data residency requirements. AfriScore can run inside your own environment with Docker, so borrower data does not have to leave.
Informs the decision, never makes it
AfriScore never lends and never holds the risk. Approval, limit and pricing follow the lender’s own policy.
Lenders do not lack the will to serve people with no credit file. They lack a defensible way to decide. AfriScore gives them a score they can explain to a borrower, a committee and a regulator, and leaves the decision where it belongs.
Built in Yaoundé, piloted in Kenya
AfriScore Technologies is based in Yaoundé, Cameroon, and designed with the CEMAC region in mind. The model has run in a 60-day production pilot in Kiambu County, Kenya, beside a lender’s own process.
Questions about AfriScore
What is AfriScore?
AfriScore is a B2B alternative credit-scoring engine. It turns mobile money, airtime and utility data into explainable credit scores for lenders serving people with thin or no credit files.
Is AfriScore a credit bureau?
No. A bureau collects and sells credit files. AfriScore scores applicants from the digital data a lender holds or receives, and returns a score with reasons through an API.
Does AfriScore lend money or take on risk?
No. AfriScore never lends and never holds the risk. Approval, limit and pricing stay with the lender.
What data does AfriScore use?
Mobile money summaries, utility payments, airtime patterns and device metadata, sent through a secure API.
Can AfriScore run on our own servers?
Yes. It can run as a hosted API, or be deployed with Docker in the lender’s own environment.
Where is AfriScore based, and where has it been tested?
AfriScore is based in Yaoundé, Cameroon. The model ran in a 60-day pilot in Kiambu County, Kenya.
See it on your own portfolio
The pilot is free and runs beside your current process.