SME credit scoring in Mali
In Mali, many SMEs move to the rhythm of farming and commodity trade. SCORE360 helps your Bamako teams read that rhythm and finance more businesses, with a score that explains itself.
- CapitalBamako
- Central bankBCEAO
- Data protectionAPDP
Lending to Malian SMEs: a narrowly based economy
Bamako is the capital and main economic centre. The BCEAO’s National Directorate for Mali has its main branch there, at 94 Avenue Moussa Travelé, and the central bank is also present in Mopti and Sikasso.
Source: BCEAO, offices and contacts
According to the World Bank, Mali’s economy remains poorly diversified and heavily reliant on rain-fed agriculture and commodity exports. It also mentions IFC technical assistance projects to improve SME operations. For lenders, that means uneven revenues that annual ratios capture poorly.
Source: World Bank, Mali overview
What SCORE360 changes for a Malian credit committee
The 300 to 850 score relies on behavioural data rather than a balance sheet that 85% of African SMEs do not have. Each score comes with readable explanatory factors. An analyst always validates the decision: SCORE360 informs, your institution decides.
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 Mali: APDP, Law No. 2013-015 and BCEAO
In Mali, Law No. 2013-015 of 21 May 2013 governs personal data protection. It created the personal data protection authority (APDP), which oversees its application.
Source: APDP Mali
Your institution collects customer consent and remains the data controller. The SCORE360 model trains inside your walls and no raw data leaves them. Mali is one of the eight states covered by Creditinfo-VoLo, the BCEAO-licensed credit bureau, which our score complements.
Which institutions in Mali it serves
Microfinance networks, banks and lending fintechs: SCORE360 helps you serve SMEs that traditional analysis turns away too quickly.
FAQ
How does SCORE360 fit with the APDP in Mali?
Your institution remains the data controller under Law No. 2013-015 and completes its filings with the APDP. Federated Learning reduces data exposure, since only encrypted parameters are aggregated.
Does the score decide instead of the analyst?
No. The score and its explanatory factors inform the analysis, but validation stays human and the lending decision belongs to your institution.
What data do we need to get started?
The behavioural data already in your system is enough to begin. Payment flows supplied by our partner fintechs and payment aggregators, plus e-SIGNAL digital signals, then enrich the score.