Credit scoring
Millisecond assessments that still route through your dual-control matrix.
AI & decisioning
Decisioning that stays on your book
Scores, early-warning ranks, and coaching use the tenant's own repayment history and product rules. Overrides keep a reason code the credit committee can defend.
Credit scoring, early-warning collections, and in-product coaching on one tenant.
What this layer does
- Application scores combine alternative data, repayment history, and product policy.
- Credit committee overrides require a reason code — the model never silently replaces dual control.
- Collections AI ranks field queues before accounts print as PAR 30.
- SMS, USSD, MoMo, and officer visits share the same instalment so cure rates are honest.
- Anomaly signals catch duplicate Ghana Cards, teller-limit breaches, and unusual disbursements.
- Clients get savings and repayment coaching in the portal; staff get an operations copilot.
Credit scoring, early-warning collections, and in-product coaching on one tenant.
- Faster committee packs
- Lower PAR from ranked queues
- Overrides with an audit trail
Collections ranking
Officers work the accounts most likely to cure, not the loudest notebook.
Fraud signals
Exceptions land in the same worklist as credit — not a separate fraud silo.
Staff copilot
Ask operating questions against your tenant data: PAR, HP arrears, payroll exceptions.
Early warning
Watch PAR 1–30 movement daily instead of discovering it at month-end.
Same ledger
No shadow scorecard. Decisions write back to the loan, HP agreement, or savings account.
Watch
Product walkthrough
Ninety seconds through origination, collections, the client portal, and month-end — filmed as a visual tour of the operating model.
Step 1
Onboard with Ghana Card KYC
Capture identity, photos, and next-of-kin once. Reuse the file across loans, savings, and hire purchase.
Step 2
Originate and schedule
Price reducing-balance or flat-rate products, lock a schedule, and disburse with dual control.
Step 3
Collect in the market
SMS, USSD, MoMo, and field queues post to the same instalment so PAR is honest.
Step 4
Let customers self-serve
The client portal shows the live savings balance, loan due, and HP statement — then takes payment.
Step 5
Close the month on the same ledger
Provisions, MPR packs, payroll, and the GL share one book examiners can sample.
Ready to modernize your institution?
Start a 14-day trial or talk to sales about hire purchase, microfinance, and multi-branch cores.