Credit Model

Using AI technology, our unique credit scoring
engine builds users credit scores by analysing
digital transactions.

Bridging The Gap

Many financially excluded individuals and micro-retailers lack the financial history that banks traditionally depend on to inform lending decisions. This absence of established credit records poses a significant challenge, hindering access to financial support.


Addressing this gap is vital for fostering greater financial inclusivity and ensuring that a wider segment of society can access the necessary financial assistance for personal and business growth.

Sustainable Credit

Designed to bridge lending gaps, our AI-based credit scoring is a powerful tool. This credit score engine can be deployed by commercial credit providers to facilitate loan approvals or assist micro-retailers in offering deferred payment alternatives to their customers, such as ‘Buy now, pay later.

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Online Shopping

Pay Later

Digital Wallet

Shop Management