SME credit scoring in Senegal
Dakar is home to the BCEAO headquarters and saw the launch of PI-SPI. SCORE360 helps Senegalese lenders turn these new payment flows into better-grounded SME credit decisions.
- CapitalDakar
- Central bankBCEAO
- Data protectionCDP
Dakar: the monetary centre of the Union
Dakar is Senegal’s capital and economic heart. It hosts the BCEAO headquarters and the main branch of its National Directorate for Senegal, on Boulevard du Général de Gaulle. The central bank also has auxiliary branches in Kaolack and Ziguinchor.
Source: BCEAO, offices and contacts
It was in Dakar that the BCEAO officially launched the interoperable instant payment platform, PI-SPI, on 30 September 2025. On the business side, the SME development agency ADEPME supports Senegalese SMEs, including on access to finance.
From payment flows to a credit score
PI-SPI connects banks, e-money issuers and MFIs, with an interoperable QR code. SME payment flows reach us through our partner fintechs and payment aggregators. ENGINE combines them with your internal data, without centralising it, to produce a dynamic 300 to 850 score along with its explanatory factors.
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 Senegal: CDP, Law No. 2008-12 and BCEAO
Senegal was one of the first African countries to legislate on personal data, with Law No. 2008-12 of 25 January 2008. Compliance is overseen by the Commission de protection des données personnelles (CDP).
Source: CDP Senegal
Your institution collects customer consent and stays in control of its data: Federated Learning aggregates only encrypted parameters. Creditinfo-VoLo, the BCEAO-licensed credit bureau, operates in all eight UMOA states, Senegal included. SCORE360 complements its reports.
Which institutions in Senegal it serves
Dakar banks, MFIs and SFDs across the regions, lending fintechs: SCORE360 offers a path tailored to each business model.
FAQ
Does SCORE360 fit Senegal’s CDP framework?
The model trains inside your institution and only encrypted parameters are aggregated. Your institution collects consent and completes its filings with the CDP under Law No. 2008-12, and we support you along the way.
Does SCORE360 connect directly to PI-SPI?
No. Payment flows from the PI-SPI ecosystem reach us through our partner fintechs and payment aggregators. They enrich the score alongside your institution’s internal data.
Can a Dakar fintech embed the score in its lending flow?
Yes. The CONNECT module exposes a documented REST API. The score and its explanatory factors show up in your lending flow, and no raw SME data leaves your platform.