SME credit scoring in Burkina Faso
In Burkina Faso, an SME’s risk shifts with farming seasons, prices and the security situation. SCORE360 gives you a score that shifts with it, computed where your data already lives.
- CapitalOuagadougou
- Central bankBCEAO
- Data protectionCIL
The SME landscape in Burkina Faso
Ouagadougou is both the political capital and the main business centre. The BCEAO runs the main branch of its National Directorate for Burkina there, on Avenue Gamal Abdel Nasser, and also has a branch in Bobo-Dioulasso, the country’s second economic hub.
Source: BCEAO, offices and contacts
The World Bank describes an economy dominated by the extractive and farming sectors and still exposed to security shocks. It adds that IFC works with SMEs to build their capacity and improve their access to finance. In that setting, a rating frozen at disbursement quickly goes stale.
A live score for a moving risk
SCORE360 recalculates the score as the business’s activity changes. The RISK module monitors your portfolio continuously and raises alerts when a borrower shows signs of stress. Your analysts see which factors moved the score and decide, after human review, what to do next.
Dynamic, explainable score
A 300 to 850 score that updates with the business’s activity and comes with its explanatory factors.
Federated Learning
The model trains inside your institution. Only encrypted parameters are aggregated: no raw data leaves.
PI-SPI flows via partners
SME payment flows come through our partner fintechs and payment aggregators.
e-SIGNAL digital signals
Online presence and e-commerce activity enrich the score when history is thin.
RISK monitoring
Continuous portfolio tracking and early alerts on borrowers under stress.
Governance
TLS 1.3, role-based access, audit logs and human review. The decision stays yours.
Getting started with SCORE360
- 01
Scoping
Together we review your SME credit policy, the data you hold and your local obligations.
- 02
Integration
CONNECT links SCORE360 to your systems through a documented REST API. The model trains on your side through Federated Learning.
- 03
Monitoring
RISK watches the portfolio continuously and alerts your teams. Every decision is still validated by your analysts.
Compliance in Burkina Faso: CIL, the 2021 law and BCEAO
Law No. 001-2021/AN of 30 March 2021 governs the processing of personal data in Burkina Faso. It replaced the 2004 law and is enforced by the Commission de l’informatique et des libertés (CIL).
Source: CIL Burkina Faso
SCORE360 never asks you to ship customer files: training happens on your side and only encrypted parameters are pooled. Your institution collects consent and data stays within the UEMOA region. The BCEAO-licensed credit bureau, Creditinfo-VoLo, also covers Burkina Faso, and our score sits alongside its reports.
Which institutions in Burkina Faso it serves
Whether you are a bank in Ouagadougou, a microfinance network reaching rural areas or a lending fintech, the score plugs into your existing credit policy.
FAQ
Which data protection rules apply in Burkina Faso?
Law No. 001-2021/AN of 30 March 2021, overseen by the CIL. Your institution remains the data controller and collects consent. SCORE360 limits data exposure through Federated Learning: no raw data leaves your institution.
Does my data leave Burkina Faso?
Raw data stays inside your institution. Only encrypted model parameters are aggregated, and data stays within the UEMOA region. Exchanges are protected by TLS 1.3, with role-based access control and audit logs.
How does PI-SPI enrich the score?
PI-SPI is the BCEAO’s interoperable instant payment platform for the eight countries. SME payment flows reach us through partner fintechs and payment aggregators and complement your institution’s internal data.