We have built a robust platform that performs customer credit scoring in real time . We have integrated all Credit Reference Bureaus (CRB) in Kenya, Integrated Population Registration Service (IPRS) and MPESA.
CRB APIs enable us to know whether the customer has defaulted other loans previously within seconds. IPRS is a government database for all Identification Numbers in Kenya and thus helps us to know whether the ID used during registration is valid.
We are able to unlock and do automated analysis. Data crunching yields very vital details on the customer’s ability to repay the loan and provide an insight of their spending habits. All these details help us in correctly predicting a good/risky borrower.