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• Smart AI for Your Finances

AI driven Credit Scoring
Infrastructure powering
SME lending

We have scored more than 1M+ users from wider data sets of more than 300 million transactions.

Get StartedHow it works
Dashboard
Absa
Agribora
Creditinfo
Faulu
I&M
Meda

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

Identity Verification

Verify the authenticity of identification details for individuals and businesses. Give your team the information they need to onboard customers and support confident lending decisions.

  • Individual identity verification
  • Business KYC and KYB checks
  • Validate customer details
  • Review credit history
  • Support compliant onboarding
Explore Identity Verification
Patascore identity verification results with customer details and a similarity check
• 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.
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.