The credit infrastructure West African SMEs deserve.
SCORE360 equips banks, microfinance institutions and fintechs with the risk intelligence they're missing — without a single client record leaving their perimeter. Our conviction: seeing better means lending better. Without exception.
A Tech-Enabler — not a competitor.
We don't lend. We don't manage portfolios. Our role: give financial institutions the eyes they're missing — to accurately assess SMEs that traditional systems simply cannot read.
The BCEAO's PI-SPI interoperability is our lever. We use it to turn SMEs' real transaction flows — combined with sector indicators and digital signals — into a living, precise, contextual credit score. A true picture of the business today, not a frozen reflection of a past balance sheet.
See the technical architectureSCORE360, decoded.
Every letter embodies a dimension of our infrastructure.
SCORE — System for Credit Observability, Risk & Evaluation · 360° — a full, blind-spot-free view of SME creditworthiness
What guides every decision.
Trust
Security is not optional — it's our foundation. Every component of SCORE360 is built to be trustworthy before it's performant.
Transparency
No black boxes. Every score is explainable, every model is auditable. Our partners always know why a decision is recommended.
Rigour
In finance, approximation is expensive. Every delivery is documented, tested in real conditions and validated for regulated environments.
Urgency
Thousands of creditworthy SMEs are rejected every month. Every day counts. We build with startup speed and critical-infrastructure standards.
In West Africa, thousands of creditworthy SMEs can't access credit — not for lack of merit, but for lack of visibility into their real activity. This is not inevitable.
The BCEAO's PI-SPI interoperability has changed the equation. By leveraging SMEs' real transaction flows — combined with sector indicators and contextual data — SCORE360 produces a living, precise solvency measure. A true picture of the business today, not a frozen reflection of a past balance sheet.
We don't lend. We don't take credit risk. We build the infrastructure that enables those whose job it is to do it better — and more SMEs to access the financing they deserve.
Three expertises. One vision.
Finance, system architecture and cybersecurity — three disciplines rarely combined in a founding team, let alone in African fintech. That's our core execution advantage.
Dr. Fernand AGOU
CEO · Co-founder
US Doctorate in Finance
Financial structuring, market and economic-policy analysis. Institutional partnership development with regulators and financial actors across the UEMOA.
Kouamé David N'DRI
CTO · Co-founder
Engineer in Digital Services & AI
Architect of the ENGINE — from the federated scoring model to the CONNECT API. Guarantor of scalability, technical coherence and product roadmap.
Koffi Désiré KOUAME
CSO · Co-founder
US Bachelor in Cybersecurity
Critical information system security and sensitive-infrastructure governance. Certification for regulated banking environments, defense grade.
Let's build together.
Financial institutions, strategic partners, investors — our infrastructure is built to be shared.