Assess creditworthy borrowers using behavioral analytics

Score confidently borrowers based on alternative smartphone data and unlock new market opportunities for your lending business.
Trusted by leading global finance partners
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Better data for safer credit decisions

Deliver credits in full confidence with our AI driven platform based on permissioned smartphone metadata

Credit scoring
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

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.

+20%

Approval Rate

-15%

Default Rate

~0.2s

Avg Response Time

people typing on laptop

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.

customer

Ibrahim Abdullahi

Risk Officer, Royal Exchange MFB

Ready to get started?

Get ready to enhance your credit product to attract more customers, access new market segments and drive growth with the power of behavioural insights.