Empowering financial futures through data. Actuarial-grade credit scoring for Ghana's informal economy — powered by mobile money behaviour, employment patterns, and savings intelligence.
Serving individuals, SMEs, informal workers, and government contractors across Ghana.
Built For
Compliant with Ghana Data Protection Act 2012 (Act 843) • Bank of Ghana Guidelines • SOC 2 Aligned
The Challenge
Traditional models fail Ghana's informal economy. Over 80% of the working population operates outside formal banking — yet they are financially active, creditworthy, and underserved.
The Brain
Scores generated on a 300–850 scale, calibrated on Ghanaian financial behaviour data.
Measures total debt obligations relative to monthly income
Net income after all expenses — the real affordability signal
Formal salaried, informal, self-employed, government, or contractor classification
MTN MoMo, Vodafone Cash, AirtelTigo — transaction frequency, volume, and patterns
Monthly savings amount, frequency, and consistency relative to income
Poor
300-499
Fair
500-599
Good
600-699
Very Good
700-779
Excellent
780-850
Segmented Intelligence
Context-specific risk models for each customer segment in Ghana's economy.
Employer stability, payslip consistency, formal bank history, tax compliance
Revenue volatility, supplier diversity, MoMo turnover, inventory cycles
Daily MoMo inflows, market location stability, savings consistency, peer references
Contract backlog, payment delays, agency reliability, completion history
Credit Access Layer
Customers don't just see their score — they leverage it. The platform makes creditworthiness undeniable to lenders.
Live score, historical trend, signal breakdown, and personalised improvement roadmap — in English and Twi.
Standardised PDF credit report with QR verification code. Submit to any bank, MFI, or savings & loans company.
"What would my score be if I saved GHS 200/month?" — interactive simulation engine for financial planning.
Real-time score queries, batch portfolio analysis, custom thresholds, and white-label scoring for institutions.
The Inevitability Strategy
When every borrower walks into a bank with a KOK Risk AI credit report, adoption becomes inevitable — not optional.
Core Principles
AES-256 encryption, TLS 1.3, SOC 2-aligned practices. Every decision explainable and auditable. Ghana DPA Act 843 compliant.
Full score breakdowns by signal. Plain-language explanations in English and Twi. No black boxes — ever.
One API call. Mobile-first design optimised for 3G. Score in seconds. Accessible to every Ghanaian.
5 actuarial signals calibrated on Ghanaian financial data. Alternative data scoring for the informal economy.
Product Suite
Consumer-facing and institutional-facing products across web and mobile.
Module 1 — MVP
Personal credit score based on 5 actuarial signals. Score report, improvement tips, downloadable PDF certificate.
Module 2
Bulk scoring, portfolio risk heat maps, applicant lookup, and API access for banks, MFIs, and lenders.
Data Layer
MTN MoMo, Vodafone Cash, AirtelTigo — consent-based transaction data for real-time scoring.
Security
Ghana DPA Act 843 compliant. Immutable audit logs, RBAC, OWASP Top 10, penetration tested.
Integration
RESTful API with JWT auth. Batch CSV upload. Sandbox environment for testing.
Localisation
GHS-denominated. Twi language support. Optimised for low-bandwidth 3G connections.
Specialised Module
Delayed payments from state entities create cascading liquidity crises. This module quantifies that risk.
Can this contractor survive a 6-month government payment delay?
What is the true probability of project completion on time?
Should a bank extend bridge financing to this contractor?
Contract Backlog
Risk Variable
Payment History
Risk Variable
Agency Reliability
Risk Variable
Completion Rate
Risk Variable
Process
Sign up via email, phone, or Google/Apple OAuth. Complete KYC lite with Ghana Card or Voter ID.
Enter income, expenses, employment type. Consent to mobile money data access for enhanced scoring.
Our actuarial engine processes 5 signals and returns your 300–850 score in seconds.
View your breakdown, get improvement tips, download your PDF certificate for lenders.
Differentiators