Alternative
Credit Engine
Using satellite imagery and mobile data to unlock credit access for 1.2M+ unbanked citizens across East Africa — with no traditional credit history required.
Users Served
1.2M+
Previously unbanked citizens granted credit access
Default Rate
3.1%
Well below industry average of 8.4%
Approval Time
90sec
From application to credit decision
The Challenge
70% of East Africa Is Credit-Invisible
Traditional credit bureaus require formal employment records and bank statements that most East Africans simply don't have. Smallholder farmers, informal traders, and gig workers are locked out of formal financial products entirely.
- warning68% of Rwanda's adult population has no formal credit history on file.
- warningTraditional lenders reject 9 in 10 applications from rural applicants on data grounds alone.
- warningLoan sharks and informal credit charging 30–60% monthly rates fill the gap.
The AI Solution
Alternative Data Credit Scoring Platform
Satellite Imagery Analysis
Computer vision models analyse farm size, crop health, and infrastructure from satellite data to estimate income potential.
Mobile Behaviour Scoring
Anonymised mobile usage patterns — airtime top-ups, M-Pesa velocity, app diversity — feed a 200-feature creditworthiness model.
Alternative Data Fusion
Utility payments, social commerce activity, and market-day GPS patterns are fused into a single unified credit score.
Extend credit to your underserved market
Let's build an alternative scoring model that expands your addressable market while keeping default risk under control.