Lift your
Underwriting with
Granular Cash Flow
Data
Mobile money statement Analyzer helps lenders turn mobile money activity into practical risk signals for faster, fairer and more confident credit decisions.
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How it Works
Helps you generate a complete risk profile for your consumers across the credit spectrum. In a few simple steps, it can categorize and condense bank transaction data into risk attributes with adverse action codes, helping you make more informed approval decisions.
More signal from everyday cash movement
Improve risk assessment
Use AI-led transaction classification to understand income stability, obligations, seasonality and cash flow health.
Originate more loans
Qualify more customers by turning everyday bank and mobile money activity into clear lending signals.
Reduce testing cycles and maximize risk prediction
Deploy proven attributes and scoring outputs without building every model component from scratch.
A Multi-Industry Solution
patascore supports lenders, fintechs and platforms that need reliable affordability intelligence from permissioned financial data.
Financial Institutions
Banks, SACCOs, fintechs understand customer behaviour, and expand lending to underbanked customers.
Morgages
We facilitate rapid user screening by utilizing verification models for both income streams and past repayment behaviors.
Cash & Personal Loans
Reduce manual reviews and approve qualified borrowers faster.
Buy Now Pay Later
Transaction-led risk insights for short-term consumer financing.
Cleaned, Processed, and Normalized Data
Turn customer-permissioned mobile money statements into structured risk signals, recommendations and integration-ready outputs.
Real-time statement extraction
Income and cashflow categorisation
Inflow and outflow analysis
Spending behaviour analysis
Balance volatility assessment
Transaction activity patterns
Recurring and suspicious transaction detection
Authenticity and fraud checks
Credit score and loan limit recommendation
API integration
Consent-driven submission journeys
Let's Grow Your Business Together
Share your details and our team will help you explore Mobile money statement analyzer for your lending workflow.