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The SME credit infrastructure · UEMOA
West Africa's operating system for SME financing.
Lend more to SMEs, with less risk. SCORE360 turns their real transaction flows, digital signals and sector KPIs into reliable credit decisions, powered by the BCEAO's PI-SPI interoperability. More loans approved, fewer non-performing, and not a single client record leaves your perimeter.
8+
Institutions connected
8
UEMOA countries
0
Raw data shared
Real-time SME score · SCORE360
Awards
An approach to SME credit recognised worldwide.
An independent prize that recognises our work alongside UEMOA financial institutions.
The problem
SMEs don't lack viability. They lack visibility.
Traditional scoring relies on historical financial statements that are often missing, incomplete or out of date. The result: you lend blind, and thousands of creditworthy SMEs are left without credit.
Backward-looking data
Classic scores reflect what an SME declared in the past, not what it is doing today.
Updated too slowly
Monthly or quarterly field reviews that can't keep pace with real cash flow.
Risk poorly contained
Nearly 4,000 bn FCFA of non-performing loans freeze balance sheets and choke SME funding.
How it works
From transaction flow to score, continuously.
SCORE360 combines three signal sources to give you a complete view of each SME, far more accurate than historical analysis.
Observe real flows
Inflows, payments and PI-SPI flows are structured and categorised automatically, with no manual entry.
Cross sector KPIs
Business KPIs (occupancy rate, livestock turnover…) put each SME in the context of its sector.
Score and monitor
ENGINE keeps the score up to date and flags risks early with predictive alerts, right in the RISK console.
Architecture · Federated Learning
Your data never leaves your perimeter.
Models are trained on-site, inside each institution. Only encrypted, anonymised mathematical aggregates travel to the central engine. You keep full control of your data, and your scoring gets sharper as the network grows.
- Data sovereignty: local hosting at Raxio CI, BCEAO-compliant.
- Network effect: every new partner improves scoring for everyone.
- Bank-grade security: TLS 1.3, RBAC, secure aggregation, full audit trail.
One federated learning round↻ repeated continuously
1 · Local training
The model trains on the institution's own data, which stays on-site and is never copied.
2 · Encrypted gradients → HUB
Only encrypted mathematical parameters travel up to ENGINE to be aggregated.
3 · Global model redistributed
The improved model flows back to every partner: everyone scores more accurately.
0 raw records ever leave the institution's perimeter.
The network
Multiple institutions. 8 countries. One infrastructure.
SCORE360 runs across the UEMOA region. Each institution operates locally while benefiting from the federated engine.
Abidjan · HUB
Dakar
Bissau
Bamako
Ouagadougou
Niamey
Lomé
Cotonou
8 UEMOA countries8+ institutions
Decisions live
feedReal-time scoring · anonymised sample
ÉYÉtude Yao & FilsApproved
CAClinique AkwabaApproved
DKDistrib. KossouApproved
FBFerme BandamaReview
PPPharma PlateauApproved
Who it's for
Built for financial institutions.
SCORE360 plugs in under your own brand, without replacing your regulatory role. The lending decision always stays yours.
IMF
Microfinance institutions (MFIs)
Lend to more semi-formal SMEs at scale, while keeping risk under control.
Banks
Commercial banks
Cut non-performing loans (NPLs) and get a sharper, more detailed view of every SME.
Fintechs
Financial technology companies
Embed scoring in your journey via our API (programming interface) and approve more good applicants.
SFD
Decentralised financial systems
A high-potential segment we support at the pace of its digital shift.
What institutions say
Trusted by those who finance SMEs.
Feedback from risk and credit leaders who put SCORE360 to work on their portfolios.
"We finally see our SMEs' real activity, not a six-month-old accounting snapshot. Our credit committees decide faster and with more confidence."
"White-label integration happened without disrupting our systems. Our data sovereignty was never a trade-off."
"Sector signals are a game-changer for assessing an informal SME. We now fund applications we would once have rejected blindly."
Frequently asked
Everything you need before getting started.
No. SCORE360 is a Tech-Enabler: we provide white-label scoring infrastructure. The lending decision stays entirely with your institution, which keeps its regulatory role.
Never. With Federated Learning, models are trained locally on your side: only encrypted, anonymised mathematical aggregates travel. No raw data leaves your perimeter, and hosting stays local (Raxio CI), compliant with BCEAO requirements.
Through the CONNECT module and a documented REST API: ERP/accounting connectors, embedded scoring and real-time webhooks. Integration is white-label, with no tech disruption for your teams.
Commercial banks, microfinance institutions (MFIs), decentralised financial systems (SFDs) and credit fintechs across the UEMOA region. Each profile gets a configuration tailored to its use cases.
Two options: a cloud deployment hosted locally (Raxio CI) or an on-premises install within your own infrastructure. We help you pick the mode that fits your compliance constraints.
Bank-grade security: TLS 1.3 encryption, RBAC access control, secure aggregation and a full audit trail. The architecture respects the BCEAO regulatory framework and data-sovereignty principles.
Become a pilot partner
Let's see what SCORE360 can do for your portfolio.
Book a walkthrough with our team: we'll map your use case and the right deployment, cloud or on-premises.
Reply within 48 business hours · Abidjan, Côte d'Ivoire