Credit Scoring Hub
Introduction
Credit Scoring Hub is a decisioning platform built for lenders and microfinance institutions. It transforms the financial data borrowers actually have—bank statements, mobile money transactions, till receipts, and utility bills—into reliable credit scores within seconds. Category-aware scoring, intelligent document extraction, and Grace, the built-in AI assistant, deliver transparent decisions, while a production-ready sandbox enables institutions to validate every integration before deployment.
What Makes It Different
Scores the unscoreable using category-aware scoring models that evaluate thin-file, informal, and cash-based borrowers beyond traditional bureau-based assessments.
Documents feed the model directly by automatically extracting, structuring, and passing bank statements, licenses, utility bills, and supporting documents into the scoring engine.
Grace explains every score by providing clear reasoning behind each decision, improving transparency, confidence, and internal review.
Sandbox to live in one flow allows institutions to test complete API responses in a production-mirrored environment before deployment.
Business Impact
Faster, more consistent credit decisions for borrowers without traditional credit histories.
Reduced manual document handling and data entry.
Transparent reason codes that support compliance and internal reviews.
Secure multi-institution deployment with isolated tenant environments.
Lower operational effort through automated income verification.
Confident implementation through production-mirrored sandbox testing.
Expanded lending opportunities across microfinance, retail, and SME segments.
Lending decisions built around how people actually earn and spend. Every score explained. Every institution in control.
See All Products
Banking Channels
Operations & Intelligence
Industry Ecosystems
