Explainable credit decisions for banks, wallets and lenders.
A modular scoring engine that combines bureau, transaction and mobile money data into explainable scores and decisions, delivered by API to any lending channel.
What Credit Scoring Engine does for you.
Alternative data
Mobile money and transaction behaviour for customers with thin credit files.
Explainable scores
Every score comes with the reasons behind it, for customers and regulators.
Real-time API
Scores in milliseconds for digital and instant lending.
Policy rules
Combine scores with cut-offs and limits that risk teams manage themselves.
Everything in one system.
Start with the modules you need and switch on more as you grow — all sharing the same data, users and audit trail.
Works with
- Loan Origination System
- Polymark Ledger
- Wallets
Security built in
- Encrypted connections
- Role-based access and approvals
- Complete audit trail
- Regular backups
Intelligence built into Credit Scoring Engine.
Applied where it changes a decision or saves a step — and measured once live.
Part of these solutions.
SACCOs & Microfinance
Run a modern SACCO without the paperwork.
Solves- Manual ledgers and spreadsheets that do not reconcile
- Mobile money collections matched by hand
- Slow, inconsistent loan decisions
Banks & Lenders
Digital lending and integration for ambitious banks.
Solves- Long integration projects for every new channel
- Manual credit appraisal
- Fragmented customer service channels
See Credit Scoring Engine in action.
Book a 30-minute demo with our team. We’ll show you the product, ask about your operations and tell you honestly whether we are the right fit.