For digital lenders and credit providers
Fintechs, digital lenders, and shops that sell on credit. Everything from first look to live scoring, in one place, so you can decide with all the answers.
Are you a bank, MFI or credit union?Find out if it fits
A few minutes in the demo tells you more than a brochure.
Who it is for
Digital lenders, fintechs, buy-now-pay-later providers, and shops or distributors that sell on credit: anyone deciding on credit for people with no bureau file.
What comes back
A credit score, a risk tier, a probability of default, and the reasons behind them, in well under a second.
What stays yours
Approval, limit and pricing follow your policy. AfriScore never lends and never holds the risk.
Look before you talk
Score a sample applicant in the demo, read the API reference, or browse the docs.
Agree the terms
Clear terms, settled up front.
First conversation
We ask about your market, your loan book and the data you already hold. You ask anything.
The free pilot
The usual first step. AfriScore scores your applications in parallel while you decide as you always do. It costs nothing and commits you to nothing.
Pricing and terms
Pay per score, or a monthly commitment with lower rates as volume grows. See pricing below. Final terms are agreed with you.
Paperwork
A service agreement and data processing terms. Your legal counsel reviews them before anything starts.
Set up and integrate
Built to plug into what you already run.
Try it first
Use the demo and the try-it console in the API reference before writing any code.
Connect
Call the API from your app or loan origination system, or use a light adapter.
Send the data you hold
Mobile money summaries, utility payments, airtime patterns and device metadata. The docs list every field.
Test in shadow mode
Run real applications through it with no effect on a single decision.
Run the pilot, then go live
Evidence first, commitment second.
Shadow mode
Every application is scored in parallel. Results are logged and never influence your decision.
Calibration
Real outcomes (approvals, rejections, repayments) tune the engine to your customers.
The report
A statistical analysis of how it would have performed on your portfolio, with a clear go or no-go.
Going live
Scoring moves from logged to used. Every decision still follows your policy and carries its reasons.
Who does what
Your team owns decisions and the loan. We own the model, its calibration and the scoring service.
Security and compliance
Know where borrower data goes.
Where data lives
Use the hosted API, or run AfriScore in your own environment with Docker so borrower data stays with you.
Explainable by default
Every score lists the factors behind it and what a borrower could change.
Regional alignment
Designed with CEMAC and regional data protection frameworks in mind from the start.
Consent and lawful basis
Borrower consent and lawful basis follow your local data protection law. We work through it with your counsel.
Trust Center
Security and compliance information is kept at trust.afriscore.africa.
Outcomes and partnership
What you take away, and what comes next.
Evidence first
You see how it would have performed on your own portfolio before you commit to anything.
Faster, consistent decisions
A score in under a second, with the same kind of reasons every time.
Reach thin-file borrowers
People with no bureau file become scoreable from the digital footprints they already leave.
Where it is heading
Portfolio analytics and management, then credit information data. Both are planned.
Pricing
Pilot
Free
Shadow mode beside your current process. No cost and no commitment.
Pay per score
From $0.25
Per scoring request through the API, billed in your local currency.
Enterprise
Agreed with you
A monthly commitment with lower per-score rates as your volume grows.
What to bring
Tick what you already have. 0 of 5 ready.
Questions
Do you lend or take on risk?
No. AfriScore never lends and never holds the risk.
Does the score decide for us?
No. It informs. Approval, limit and pricing stay with your policy.
What if we have no loan origination system?
Tell us how you handle applications. Any system that can send a request can call the API, and we agree the lightest way to run the pilot.
What does it cost?
The pilot is free. After that, from $0.25 per scoring request, or a monthly commitment with lower rates at volume.
Can it run on our own servers?
Yes. AfriScore can be deployed with Docker in your environment.
Which markets do you cover?
The model was piloted in Kenya and designed with CEMAC in mind. Ask us about your market.
See it on your own portfolio
The pilot is free and runs beside your current process.