Five modules, connected to your flows.
One chain, from data to decision.
From payment flows received through our partner fintechs and aggregators to the credit decision inside your institution, each module feeds the next. No data is lost, and every decision gets sharper.
No data, no score. Our payment partners bring it in.
SCORE360 asks your SME clients to adopt no new tool. We connect to the fintechs and payment aggregators they already use. With the SME's consent, their PI-SPI flows (QR collections, payments, transfers) are structured, categorised and ready for ENGINE. No balance sheet required.
- PI-SPI flows received through partner fintechs and aggregators
- No tool to impose: SMEs keep their payment habits
- Automatic categorisation of transactions
- SME consent, data processed through Federated Learning
Partner flowsAn SME that sees clearly runs better. And borrows better.
INSIGHT gives your SME clients a clear view, often for the first time, of their cash flows, sector KPIs and trends. The result: tighter financial discipline, and more reliable data behind your credit decisions through ENGINE.
- Financial reporting & sector-specific KPIs
- Cash-flow visualisation & performance analysis
- Predictive indicators and dynamic dashboards
Digitised SMEs don't start from scratch.
CONNECT pulls in existing ERP, accounting and transaction history within hours, then switches on scoring without replacing any tools. Live in under a day.
- Third-party aggregation & history import
- ERP / accounting synchronisation
- Fast scoring activation via API
A balance sheet says what an SME was. ENGINE says what it is.
Sector-specific models, behavioural anomaly detection and a dynamic score recalculated at every event. ENGINE gives you an up-to-date view of risk that annual balance sheets cannot provide.
- Dynamic SME score & digitalisation index
- Differentiated sector models (health, livestock, retail…)
- Behavioural anomaly detection & prediction
See risk coming. Before the default.
Monitor your SME portfolio continuously. RISK flags deterioration up to 90 days before default and spots refinancing opportunities in real time. Your risk management moves from reactive to predictive.
- Continuous monitoring of the SME portfolio
- Degradation alerts & dynamic risk tracking
- Proactive generation of credit opportunities
| Company | Score | |
|---|---|---|
| Étude Yao & Fils | 812 | opportunity |
| Ferme Bandama | 548 | alert |
| Distrib. Kossou | 631 | stable |
No balance sheet? There's still a signal.
An SME with no balance sheet can still have a WhatsApp order spike, an online reputation and a TikTok engagement score. e-SIGNAL turns these digital interactions into alternative data for ENGINE, so you can assess businesses that traditional methods miss.
- Unified multichannel inbox (WhatsApp, Instagram, TikTok…)
- Digital reputation & review monitoring
- Digital maturity score & alternative data
See the platform in action.
A guided walkthrough tailored to your institution: microfinance, bank, fintech or SFD.