KOK Risk

The Risk & Insurance Engine
for African Lending

We help banks and fintechs make better credit decisions, reduce defaults, and protect their loan portfolios using AI, alternative data, and automated insurance.

Built for

Banks •Fintechs •BNPL •Microfinance •Insurtech

Designed for Africa’s currencies, regulations, and informal economy.

The Problem: Credit in Africa is Broken.

Banks and fintechs lose millions every year because:

  • ✖Risk models don’t understand informal income.
  • ✖Good borrowers are rejected, bad borrowers are approved.
  • ✖Inflation and currency devaluation silently destroy loan value.
  • ✖Insurance claims are slow, manual, and disputed.
  • ✖Regulators demand explainability and audit trails most systems can’t provide.
"Africa doesn’t have a capital problem. It has a risk infrastructure problem."

The Solution

One platform for risk, insurance, and compliance.

KOK Risk is a cloud platform that:

  • ✓Calculates true credit risk (PD, LGD, Expected Loss)
  • ✓Uses alternative data (mobile money, airtime, gig income)
  • ✓Prices loans across African currencies with inflation protection
  • ✓Automatically triggers insurance payouts on default
  • ✓Produces explainable, regulator-ready decisions
  • ✓Provides APIs and widgets for easy integration
risk-engine.exe
Status: APPROVEDScore: 785
Recommended ActionDisburse GHS 5,000 @ 3.5% Interest

How It Works

Simple for lenders. Powerful under the hood.

1

Integrate

Lender connects API or Dashboard

2

Apply

Borrower applies for loan

3

Analyze

Engine returns decision in milliseconds

4

Price

Loan priced with risk & insurance included

5

Protect

Auto-payout triggered if default happens

Product Modules

🧠

The Brain

Risk Engine

AI credit scoring, shadow models, explainable decisions.

🔐

The Shield

Security & Compliance

Encrypted data, role-based access, immutable audit logs.

🗄

The Data Layer

Aggregation

Mobile money, airtime, bank, and business data.

🔗

The Trust Layer

Insurance

Automated, parametric insurance and verifiable payout records.

⚙️

The Scale Layer

Developer Tools

APIs, sandbox, developer docs, embedded checkout.

🌍

Expansion

Multi-Country

Built for Ghana & Nigeria, expanding across Africa.

Why KOK Risk?

✔Built for African realities
✔Designed for regulation trends
✔Infrastructure, not just an app
✔Turns risk into an asset

Start making better credit decisions today.