SME credit scoring
across the 8 UEMOA countries
Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal and Togo share one central bank, one currency and one instant payment system. SCORE360 builds on that common base and respects each country’s own rules.
One monetary framework, one scoring model
For a lender, the Union offers rare common ground: shared prudential rules and shared infrastructure. Federated Learning makes the most of it. Each institution trains the model in-house, only encrypted parameters are aggregated, and data stays within the UEMOA region.
One central bank, the BCEAO
The BCEAO is headquartered in Dakar and has a National Directorate in each of the eight states. Banks and decentralised financial systems across the Union fall under one regulatory framework.
Source: BCEAO, offices and contacts
One currency, the CFA franc
All eight countries share the CFA franc issued by the BCEAO. A single scoring model can therefore work in one currency, from Abidjan to Niamey.
Source: BCEAO
Shared instant payments: PI-SPI
Officially launched in Dakar on 30 September 2025, PI-SPI links banks, e-money issuers and MFIs across the eight countries. SCORE360 receives these flows through its partner fintechs and aggregators.
A shared credit bureau framework
The uniform law on credit information bureaus was adopted in 2013. Creditinfo-VoLo, licensed by the BCEAO, has operated across all eight states since 1 February 2016. SCORE360 complements it.
Choose your country
Each page covers the local SME context, the BCEAO’s presence and the national data protection authority, with sources.
Benin
Cotonou
Cotonou is the financial hub. Personal data is governed by the Digital Code and the APDP.
View page →BFBurkina Faso
Ouagadougou
The BCEAO operates in Ouagadougou and Bobo-Dioulasso. Personal data is overseen by the CIL.
View page →CICôte d’Ivoire
Abidjan
SCORE360 headquarters in Abidjan. Personal data governed by Law No. 2013-450 and overseen by ARTCI.
View page →GWGuinea-Bissau
Bissau
An economy closely tied to cashew nuts. Bissau hosts the BCEAO National Directorate.
View page →MLMali
Bamako
The BCEAO operates in Bamako, Mopti and Sikasso. Personal data overseen by APDP Mali.
View page →NENiger
Niamey
BCEAO offices in Niamey, Maradi and Zinder. Personal data overseen by the HAPDP.
View page →SNSenegal
Dakar
BCEAO headquarters in Dakar, where PI-SPI was launched. Personal data overseen by the CDP.
View page →TGTogo
Lomé
Lomé, a port city and financial centre. Personal data overseen by the IPDCP.
View page →Data protection authorities
The currency is shared, but data protection remains national. Your institution collects consent and completes its filings with its own country’s authority.
| Country | Authority | Reference law |
|---|---|---|
| Benin | APDP | Digital Code, Law No. 2017-20 (Book V) |
| Burkina Faso | CIL | Law No. 001-2021/AN of 30 March 2021 |
| Côte d’Ivoire | ARTCI | Law No. 2013-450 of 19 June 2013 |
| Guinea-Bissau | No authority identified | – |
| Mali | APDP | Law No. 2013-015 of 21 May 2013 |
| Niger | HAPDP | Law No. 2022-59 of 16 December 2022, as amended |
| Senegal | CDP | Law No. 2008-12 of 25 January 2008 |
| Togo | IPDCP | Law No. 2019-014 of 29 October 2019 |