Creditworthy, but unscored
Millions sit outside traditional finance yet generate rich financial data every day. Their potential is real. Their file is empty.
Credit infrastructure for inclusive finance
Scaling inclusive credit with intelligence.
Credit AI turns everyday financial activity into bank-grade credit decisions. Borrowers without a formal file get a real score. Lenders get clarity on every decision.
1 in 6people worldwide remain unbanked
4 sourcesof everyday data, scored in minutes
100%of final decisions stay with your officers
Mobile money activity
Cooperative records
SMS transaction summaries
Lender data
The problem
Good borrowers are invisible to the system.
The film opens on three gaps. Every lender in the region will recognize them.
Officers decide in the dark
Every decision means inboxes, attachments, and disconnected systems. No single source of truth, so approvals are slow and inconsistent.
Impact nobody can trace
Network leaders answer for outcomes they cannot see. Results stay scattered across branches, spreadsheets, and time.
The platform
One score. Three connected experiences.
Credit AI serves the borrower, the loan officer, and the network leadership from a single intelligence layer.
Financial inclusion
Fair credit for underserved communities, scored from real-world data.
Smarter loan decisions
Clear, explainable insight that helps officers approve faster and better.
Enhanced member services
Real-time impact and equity outcomes across the whole network.
The product
Three perspectives. One connected platform.
Follow Ana, Joseph, and Sophia through the live product. Click through each step as you present.
Every score on this site and in the working platform uses Credit AI’s native 0-100 scale, with Ready at 80. The concept film predates this standardization and shows an earlier consumer-style scale.
Credit AI
Welcome back, Ana.
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Credit score unavailable
AI recommendations
Add last month's activity to begin. Your score guides everything here.
Credit AI
Generating your score
This takes about a minute.
Mobile money activity
Cooperative records
SMS transaction summaries
Lender data
Credit AI
Your credit score
Here is your AI-generated score
0ALMOST READY
A good start. Here is what shaped it, and what to do next.
On-time repayments, 8 months
Steady mobile-money inflows
Savings history still short
Credit AI
Goal
Credit score: 80
Now: 67
Tips
Pay bills on time
Keep utilization low
Grow savings monthly
AI recommendations
Finish the financial education path›
Link a peer recommendation›
Credit AI
Application submitted
Small business loan · 1.2M FCFA. Review within 10 business days.
Score shared with your officerWelcome back, Joseph
Tuesday · Branch: Douala Akwa
Monthly volume1.9B FCFA ▲
Time saved3.2 h/day
Loans approved20 /wk
Defaults−25% ▼
Applications for review
| Member | Type | Score | Eligibility | |
|---|---|---|---|---|
| AAna C. · 67890 | Small business | 67 | 90% | Open › |
| JJohn R. · 54321 | Home | 695 | 82% | |
| MMark F. · 98765 | Personal | 710 | 67% | |
| LLily C. · 13579 | Auto | 675 | 54% |
A
Ana C. · 67890
Small business loan · 1.2M FCFA · 18 mo
67ALMOST READY
Smart summary
Approval recommendedConfidence: High. 88% similarity to successful borrowers in this segment.
Factor breakdown
Financial courses completed in 2 weeks
Stable savings pattern, 4 months
Score up 10 points in 2 months
First-time borrower: shorter term advised
Documents
National IDView
Mobile money statementView
Score, 12 monthsRising
AI assistant
Grounded in Ana's file and your portfolio
Conversation
Has Ana borrowed from us before?
No. This is her first application. Her savings discipline matches successful first-time borrowers in your youth segment, and her alternative signals point to reliability.
Compare with similar borrowers
Adjust loan
Ana C. · Small business
Shorter first terms improve repayment odds for first-time borrowers.
Decision
Ana C. · Small business loan · 1.2M FCFA · 18 mo
67ALMOST READY
The recommendation, the confidence level, and every factor are on file. The decision is Joseph's.
Loan approved. Disbursement to Ana C. started.
Network health
Live view across every member institution
RegionInstitution
AttentionHealthy
| Institution | Status | AI fairness | Loans | Savings | Members |
|---|---|---|---|---|---|
| Sanaga Valley Cooperative | Needs attention | 1.1 | +15% | −25% | 5,615 |
| Wouri Savings Network | Critical | 0.7 | −8% | −7% | 3,681 |
| Littoral Microfinance Union | Healthy | 3.1 | +6% | +11% | 4,982 |
| Adamaoua Savings Alliance | Healthy | 2.8 | +12% | +9% | 7,240 |
‹ Network health
Sanaga Valley Cooperative
5,615 members · 34 officers · Centre region
AI fairness index1.1 / benchmark 2.6
Loan growth+15% ▲
Savings growth−25% ▼
AI recommendation
Approval gap concentrated among women under 30 and rural thin-file applicants. Recommended: targeted outreach, bias-awareness modules for officers, manual review for education-path completers, and adding savings-group (tontine) signals to scoring.
Loan growth, 12 monthsStable
Officers · fairness
| JJoseph A. | 1.1 |
| MMia C. | 1.5 |
| AAva M. | 3.8 |
Generate your tailored report
Describe what leadership needs. Credit AI assembles the charts, the narrative, and the numbers.
Littoral region · Q2 lending and fairness
Draft assembled from live network data
Fairness index, networkRising
Thin-file approvals in Littoral closed half the gap this quarter while portfolio quality held. The fairness index moved from 1.8 to 2.4 after officer training and tontine signals went live.
Report published to leadership.
The intelligence
Explainable scoring, governed end to end.
Alternative data goes in. A score, its reasons, and a confidence level come out. Nothing is a black box.
Mobile money activity
Cooperative records
SMS transaction summaries
Lender data
Credit AI scoring engine
67Score · /100
88%Confidence
4+Factors
2.6Fairness
Every score ships with its reasons
Officers see the factors in plain language before they decide, and members see what to improve.
Confidence you can defend
Recommendations carry a confidence level grounded in comparable borrowers, ready for credit committee and regulator alike.
Fairness, measured
A network-level fairness index surfaces gaps by gender, age, and geography before they harden into portfolio risk.
Your data makes it sharper
The engine is tuned on your portfolio's local signals, under your governance, inside your jurisdiction.
Governance
AI as copilot. The officer always makes the final call.
Recommendations come with reasons. Decisions stay human, on a full audit trail.
Human final say
Approve, decline, or adjust: officers keep the last word on every loan, with the AI case on file.
Audit-ready by design
Every recommendation, override, and outcome is logged, so supervision and compliance reviews start from evidence.
Data stays governed
Consent-based sourcing, privacy controls, and residency options aligned with your regulator's expectations.
The film
See it in five minutes.
The Credit AI film follows Ana, Joseph, and Sophia from first score to network impact.
Film asset not found
Place credit-ai-pitch.mp4 next to this page, or inside an assets folder beside it, then reload. Opening index.html from the full site bundle (credit-ai-website.zip) always works, fully offline.
Integration
Built to plug into the bank you already run.
API-first
REST endpoints and webhooks for scoring, decisions, and monitoring, with sandbox keys on day one.
Runs where you need it
Cloud or on-premise, with data residency in your jurisdiction.
No rip and replace
Works alongside your core banking, advanced or basic, and alongside the channels your members already use.
{
"member_id": "67890",
"consent_token": "tok_9f2…",
"sources": ["mobile_money", "cooperative",
"sms_summary", "lender"]
}
// 200 OK
{
"score": 67,
"band": "conditional",
"confidence": 0.88,
"factors": ["repayment_history", "inflow_stability", "savings_tenure"],
"fairness_flag": null
}
Partnership
Three ways to build with us.
Start with one. The reference deployment becomes the proof for the next two.
Credit AI for your institution
We deliver the platform for your bank and your customers, phased and white-label.
- Borrower app for members
- Officer workbench for branches
- Network console for leadership
Tuned on your portfolio
Your data fine-tunes the scoring engine to your market, under shared governance.
- Local signal calibration, including tontines
- Privacy, consent, and residency controls
- Measured lift on approvals and defaults
Take it across the region
Bring Credit AI to other banks and cooperative networks, together.
- Co-branded go-to-market
- Shared revenue model
- Local delivery and support
Bring Credit AI to your market.
A working session is the fastest way to scope the pilot: your data, your branches, your timeline.