West Africa's operating system for SME credit.
SCORE360 is the scoring infrastructure that turns SMEs' real transaction flows, digital signals and sector KPIs — through the BCEAO's PI-SPI interoperability — into reliable credit decisions. More loans approved, fewer non-performing — without a single client record leaving your perimeter.
SMEs don't lack viability. They lack visibility.
Traditional scoring relies on historical financial statements — often missing, incomplete or frozen in time. The result: institutions lend blind, and thousands of creditworthy SMEs stay shut out.
Backward-looking data
Classic scores reflect declared history, not an SME's current economic activity.
Updated too slowly
Monthly or quarterly, field-dependent reviews — unable to track real cash flow.
Risk poorly contained
Nearly 4,000 bn FCFA of non-performing loans freeze balance sheets and choke SME funding.
From transaction flow to score, continuously.
SCORE360 fuses three signal sources into a multidimensional assessment far more representative than historical analysis.
Observe real flows
Inflows, payments and PI-SPI flows are structured and auto-categorised.
Cross sector KPIs
Business KPIs — occupancy rate, livestock turnover… — contextualise each sector.
Score and monitor
ENGINE™ produces a living score and predictive alerts, delivered in the RISK™ console.
Six modules. One financial-intelligence ecosystem.
From structuring SME flows to the institutional decision, each module deepens risk observability.
Your data never leaves your perimeter.
Models are trained locally, inside each institution. Only mathematical aggregates — encrypted and anonymised — travel to the central engine. Yet every partner gets sharper scoring as the network grows.
- Data sovereignty — local hosting at Raxio CI, BCEAO-compliant.
- Network effect — more partners = better scoring for everyone.
- Bank-grade security — TLS 1.3, RBAC, secure aggregation, full audit trail.
1 · Local training
The model trains on the institution's own data — which stays put, 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.
8 institutions. 6 countries. One infrastructure.
SCORE360 scoring activates across the UEMOA region — each institution runs locally, connected to the federated engine.
Decisions live
feedReal-time scoring · anonymised sample
One primary channel: financial institutions.
SCORE360 plugs in white-label, without replacing the institution's regulatory role. The lending decision always stays yours.
IMF
Industrialise lending to semi-formal SMEs while containing risk.
Banks
Cut NPLs and sharpen SME analysis granularity.
Fintechs
Embedded scoring via API to lift qualified acceptance.
SFD
A high-potential segment, supported as it digitises.
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 files we'd have blindly turned away."
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.
Let's see what SCORE360 can do for your portfolio.
Book a walkthrough with our team and let's map your use case — cloud or on-premises deployment.
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