Six modules.
One continuous intelligence chain.
From an SME's first transaction to the lending decision inside your institution — each module feeds the next. Nothing leaks, everything compounds.
No data, no score. FLOW™ is the first link.
A white-label professional wallet that turns every transaction into usable data. QR collection, payments, inflows and outflows — all structured, categorised, and ready for ENGINE™. No balance sheet required.
- Interoperable QR collection (PI-SPI)
- Multi-channel receipts & flow centralisation
- Automatic categorisation of transactions
- Supplier, payroll & recurring payments
FLOW™An SME that sees itself clearly, performs better. And borrows better.
INSIGHT™ gives SMEs their first real visibility into their flows, sector KPIs and trends. Stronger financial discipline — and better-quality data for ENGINE™.
- Financial reporting & sector-specific KPIs
- Cash-flow visualisation & performance analysis
- Predictive indicators and dynamic dashboards
Digitised SMEs don't start over.
CONNECT™ aggregates existing ERP, accounting and transaction history in hours — and activates scoring without friction, without replacing existing 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.
Differentiated sector models, behavioural anomaly detection, dynamic score recalculated at every event. ENGINE™ produces decision intelligence that annual balance sheets cannot provide.
- Dynamic SME score & digitalisation index
- Differentiated sector models (health, livestock, retail…)
- Behavioural anomaly detection & prediction
Credit teams see trouble too late. RISK™ changes that.
Continuous SME portfolio monitoring, degradations detected up to 90 days before default, refinancing opportunities flagged in real time. Risk management goes 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 have a WhatsApp order spike, an online reputation and a TikTok engagement score. e-SIGNAL™ turns these digital interactions into alternative data ready for ENGINE™.
- 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 profile — microfinance, bank, fintech or SFD.