Enabling credit scoring
for Institutions & SMEs
Our API-based, data-driven, secure centralized alternative credit scoring technology provides a holistic data aggregation infrastructure for accurate credit decisioning. You have an option to either use all or choose specific solutions for your institution needs.
Mpesa, paybill and bank
statements analytics
We understand that analyzing financial statements could be hectic especially when you have a large pool of customers. Our solution allows you to bulk upload statements which are then analyzed with our AI powered system to give you analytics that are simple to understand.
Bulk upload of documents
Graphical Representation
Credit scoring the Financial statements.
Convert pdf statements to downloadable excel and CSV
SME Alternative Credit Scoring
Predict risk and segment SMEs using Patascore’s 300M+ alternative data points. Our scoring platform includes, but is not limited to:
Financial statements Analyzer and model
Anchor Supply Chain Transactional Model
Mobile Money Statement Analyzer & Model
Bank Statement Analyzer & Model
Till & Paybills Analyzer & Model
CRB Analyzer & Model
Financial Education Model
Fraud Detection Models
Business KYC/KYB/CRB Checks
Through our aggregated pool of credit history from local Credit Bureaus, you’ll be able to identify key data which is calculated to give you a unique CRB score for the individual customer. Ensure compliance with regulatory checks while verifying SME identity and creditworthiness. Key data checked include:
loans taken
Betting history
Loan repayment rate
Performing and non-performing accounts
Loan Management System (LMS)
A lightweight, scalable platform to originate, track, and manage SME loans seamlessly. Automate loan origination and approval workflows. Monitor repayments and portfolio performance in real time. Serve SMEs efficiently while reducing operational risk.
Seamless Origination & Approval
Real-time Repayment Monitoring
Portfolio Performance Analytics
Risk Assessment and Mitigation
Identity checks (IPRS)
IPRS is the single source of truth for population of all Kenyan and foreign resident in Kenya. Here we check real time if customer names and ID information matches. Key data checked include:
Valid full names
Date of birth
Gender
Contact Information
ElimizaA digital platform to train, assess, and onboard SMEs, improving quality origination, and empowering business growth with financial education and tips to access the right kind of credit.
Elimiza helps your business build long-term financial health and responsible borrowing.
Build your financial knowledge
Borrow Responsibly
Access higher credit limits
Strengthen your credit score
Elimiza Tutor Chatbot
Your 24/7 AI-powered financial mentor. Whether you’re on the go via SMS or using our web and Android apps, Elimiza Tutor provides the personalized training and assessment you need to unlock business growth.
Personalized financial education and training
Real-time assessments to track your progress
Accessible via SMS, web, and Android app
Empowering you to access the right credit and grow your business
Expenditure Analysis
The Expenditure Analysis Feature helps individuals and businesses understand how their customers spend money by automatically categorising transactions from mobile money (e.g., M-Pesa) or bank statements.
- Essential vs. non-essential spending
- Monthly patterns and trends
- Cash inflows vs. outflows
- Top expense categories (e.g., rent, airtime, food)
