Patascore uses alternative data sources like mobile money, transactional data, and behavioral patterns, unlike traditional methods that rely heavily on credit bureau reports.

Lenders, fintechs, microfinance institutions, and other businesses seeking to assess credit risk can use Patascore.

We score both SMEs and individuals. It ultimately depends on the type and quality of data you have available. If the data is complete and transactional, we can score it. Our models are not one-size-fits-all. They are contextualised for each partner, sector, and customer segment.

No. While financial or transactional data provides a strong and predictable baseline, it is not the only option. Mobile money data, payments data, or purchase/commerce data are also strong starting points.

Yes, we can also use non-financial data such as psychometric assessments, phone usage patterns, and other behavioural indicators. Please share more context on the type of data you have so we can advise on applicability based on your country and customer segment.

It uses bank and mobile money statements, transactional behavior, and credit bureau data.

Yes, Patascore uses industry-standard encryption and privacy controls to ensure data security and compliance.

You can integrate via our API or use the portal — it’s quick and requires no setup for the latter.