Trusted by leading global finance partners
Better data for safer credit decisions
Deliver credits in full confidence with our AI driven platform based on permissioned smartphone metadata
Behavioral Scoring Models
Utilizes machine learning algorithms to create comprehensive behavioral scores that predict creditworthiness based on phone usage patterns.
Risk Analysis
Identifies potential red flags, such as irregular activity patterns or high-risk behaviors, that may indicate credit risk.
Predictive Analytics
Provides predictive insights on borrowers’ likelihood of default, repayment capabilities, and financial stability.
Key features
Here some of the ways we ensure to deliver value to our clients and stay ahead of competitors
Phone usage data collection
We securely collect privacy-consented metadata from the users device (Android) to predict default payment and risk.
Behavioral Analytics
We look at behavioural data to better understand your borrowers and enable better decisions.
Privacy and Compliance
Data collection compliant with GDPR, and other relevant data privacy regulations, with user consent and anonymized data
Intuitive Interface
Offers a user-friendly dashboard for lenders to view and interpret borrower insights easily.
Customizable Reports
Generates detailed reports and visualizations tailored to the specific needs of the lender.
Real-Time Monitoring
Enables real-time monitoring of borrower behavior changes, providing up-to-date risk assessments.
Seamless Integration
Integrates with existing lending systems, CRMs, and other financial software through robust APIs.
Data Export
In addition to a concise documentation, our dedicated developer support is available round the clock.
Developer Support
Easy export of insights and reports for further analysis or integration with other decision-making tools.
Data Encryption
All data is encrypted both in transit and at rest to maintain the highest security standards.
Reliability
High availability and redundancy to ensure the platform is always accessible when needed.
User Authentication
Robust authentication and role-based access control (RBAC) to ensure that only authorized users can access specific data and functionalities.
Data Integration & Analysis
Phone usage data collection
We securely collect privacy-consented metadata from the users device (Android) to predict default payment and risk.
Behavioral Analytics
We look at behavioural data to better understand your borrowers and enable better decisions.
Privacy and Compliance
Data collection compliant with GDPR, and other relevant data privacy regulations, with user consent and anonymized data
User-Friendly
Intuitive Interface
Offers a user-friendly dashboard for lenders to view and interpret borrower insights easily.
Customizable Reports
Generates detailed reports and visualizations tailored to the specific needs of the lender.
Real-Time Monitoring
Enables real-time monitoring of borrower behavior changes, providing up-to-date risk assessments.
Integration and API
Seamless Integration
Integrates with existing lending systems, CRMs, and other financial software through robust APIs.
Data Export
In addition to a concise documentation, our dedicated developer support is available round the clock.
Developer Support
Easy export of insights and reports for further analysis or integration with other decision-making tools.
Security & Reliability
Data Encryption
All data is encrypted both in transit and at rest to maintain the highest security standards.
Reliability
High availability and redundancy to ensure the platform is always accessible when needed.
User Authentication
Robust authentication and role-based access control (RBAC) to ensure that only authorized users can access specific data and functionalities.
Why choose us
Choose our platform to transform and evaluate your credit risk by leveraging the power of phone usage data. By providing a comprehensive view of borrower behaviour, it enables more accurate, fair, and efficient credit decisions, ultimately contributing to better financial outcomes for both lenders and borrowers.
What our clients say about us
Fumiwo’s credit scoring solution is already making lending much more secure. Glad to be working with a solution centered on delivering robust credit decision and effective risk management framework.
Ibrahim Abdullahi
Risk Officer, Royal Exchange MFB