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• Smart AI for Your Finances

AI driven Credit Scoring
Infrastructure powering
SME lending

We have scored more than 200,000+ users from wider data sets of more than 100 million transactions.

Get StartedHow it works
Dashboard
Victory Farms
WM
NCBA
Safaricom
Kyosk
Victory Farms
WM
NCBA
Safaricom
Kyosk
• Scoring AI Solutions

You do the business,
We'll handle the scoring.

Patascore enables one source of truth through providing various innovative solutions.

Identity Verification

Lender is able to verify the authenticity of provided identification details for an individual or business.

Financial statements analyser

Borrower mobile money and bank statements real time extraction and analytics.

Credit Scoring as a service

Analyze transactional data with ease—designed to help get credit score and financial behavior instantly.

Credit Report

Easily access your credit report—track your financial behavior, and take control of your financial future with confidence.

Elimiza

Access useful content to help an MSME to grow their business and understand how to use credit productively.

Identity Verification
• Impressive Stats

Our Results in Numbers

Discover the real impact Patascore has made. Patascore drives portfolio quality at scale.

60%

increase in disbursed loans.

Our AI-driven credit scoring models have processed over 5 million loan applications, reducing manual intervention by 80% and cutting turnaround time to under 30 minutes.

400,000 +

MSMEs Funded

We’ve enabled 400,000 MSMEs without traditional credit histories to access financing while ensuring transparent decision-making.

20%

of applications flagged as suspicious

Our AI driven models have flagged 20% of applications as suspicious, preventing more than 200,000 cases of potential fraud.

20%

Improved loan approval rates

Our AI models have improved loan approval rates by 20% while maintaining a 5% default rate.

• Work Flow

How it works ?

Patascore, our proprietary AI driven credit scoring technology offers 85% predictive accuracy

Inputs

  • Transactional Data
  • Bank and Mobile money statements
  • Credit Bureau Data

Patascore AI Driven Engine

  • Gen AI statement Extraction Module
  • Configurable Business Rules
  • AI Fraud Detection

Output

  • AI Credit report for MSMEs
  • Credit Scores and Loan Limits
  • Fraud Results and rejection Reasons
Industries illustration
• Integrate with us

Access our scoring APIs

With our API first approach, you can easily connect your infrastructure with our scoring solutions.

Credit decisioning tool
Data analytics
Reduced default rates
Centralised data platform
See API Documentation
Patascore API dashboard
• Integrate with us

Two ways you can access our solution

We've made it easy for you to experience the power of contextual credit scoring:

Patascore Portal

Patascore Portal

No setup needed, click and play.

Patascore API

Patascore API

Connect our API with your current infrastructure.

• FAQ

Common Questions & Answers

Here’s everything you need to know about Patascore, from features to getting started.

Got any specific questions?

Contact Us
Patascore is a contextual credit scoring platform that leverages alternative data to assess creditworthiness, especially for individuals and SMEs with limited or no traditional credit history.
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.
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.