SME credit scoring in Guinea-Bissau
Guinea-Bissau is UEMOA’s only Portuguese-speaking member, yet it shares the same central bank and currency as its neighbours. SCORE360 gives Bissau lenders an SME credit score designed for that common framework.
- CapitalBissau
- Central bankBCEAO
- Data protectionNo authority identified
An economy paced by the cashew season
Bissau is both the capital and the business centre. The BCEAO runs the main branch of its National Directorate there, on Avenida Combatentes da Liberdade da Pátria.
Source: BCEAO, offices and contacts
According to the World Bank, growth in 2025 was driven by a strong cashew harvest and farmgate prices that supported rural incomes. For SMEs in collection, transport and trade, cash needs therefore follow the harvest calendar. A score frozen at disbursement struggles to capture that cycle.
A score that follows your clients’ cycle
SCORE360 recalculates the score as the business’s flows change: a surge at the height of the season, a slowdown afterwards. Explanatory factors show your analysts what moved the score. The RISK module flags portfolio stress before it turns into missed payments.
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 Guinea-Bissau: the BCEAO framework and consent
To date, we have not identified an operating national personal data protection authority in Guinea-Bissau. Processing of your customers’ data is therefore governed by your own privacy policy, BCEAO rules and the consent your institution collects.
The BCEAO-licensed credit bureau, Creditinfo-VoLo, covers all eight UMOA states, Guinea-Bissau included. SCORE360 sits alongside its reports. With Federated Learning, no raw data leaves your institution and data stays within the UEMOA region.
Which lenders in Guinea-Bissau it serves
Banks, microfinance institutions and lending fintechs in Bissau: SCORE360 fits your processes without replacing your own analysis.
FAQ
Which data rules apply in Guinea-Bissau?
We have not identified an operating national data protection authority. Your institution therefore applies BCEAO rules and its own privacy policy, and collects customer consent. In any case, Federated Learning keeps raw data on your side.
Is SCORE360 already active in Guinea-Bissau?
Guinea-Bissau is one of the eight markets our offer serves. Our first pilot, running 6 to 9 months with one bank and two MFIs, is targeted for November 2026. Get in touch to discuss your case.
Does the score account for seasonality?
The score is dynamic: it updates from behavioural data and payment flows supplied by our partner fintechs and payment aggregators. Season-driven swings show up in the explanatory factors.