SME credit scoring in Togo
Traders, freight forwarders, logistics providers: Lomé’s SMEs leave digital footprints long before they have a balance sheet. SCORE360 helps Togolese lenders turn them into a reliable credit score.
- CapitalLomé
- Central bankBCEAO
- Data protectionIPDCP
Lomé: port city and financial centre
Lomé is Togo’s capital and economic centre. The BCEAO’s National Directorate for Togo has its main branch there, on Rue Abdoulaye Fadiga, and the central bank runs an auxiliary branch in Kara.
Source: BCEAO, offices and contacts
The World Bank describes IFC as a key partner for Togo, investing in port logistics, energy and SME access to finance. It also points to the need to ease structural constraints on investment and formalisation, a direct concern for lenders serving loosely formalised SMEs.
Source: World Bank, Togo overview
Putting digital signals to work for credit
With the e-SIGNAL module, the score takes in digital signals such as online presence and e-commerce activity. e-SIGNAL is our first data partner for the pilot. These signals complement your institution’s internal data and the payment flows supplied by our partner fintechs and payment aggregators, for an explainable 300 to 850 score.
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 Togo: IPDCP, Law No. 2019-014 and BCEAO
In Togo, Law No. 2019-014 of 29 October 2019 on personal data protection created the Instance de protection des données à caractère personnel (IPDCP), which ensures it is applied.
Source: IPDCP Togo
Your institution collects consent, and Federated Learning keeps raw data on your side. Togo is one of the eight states where Creditinfo-VoLo, the BCEAO-licensed credit bureau, operates. SCORE360 complements its reports and can work alongside guarantee funds.
Which institutions in Togo it serves
Banks, MFIs and SFDs, lending fintechs in Lomé and up-country: SCORE360 adapts to each institution’s size and tools.
FAQ
Which law governs personal data in Togo?
Law No. 2019-014 of 29 October 2019, overseen by the IPDCP. Your institution remains the data controller and collects consent. Federated Learning limits exposure, since only encrypted parameters are aggregated.
What are e-SIGNAL digital signals?
They are indicators drawn from an SME’s digital activity, such as its online presence or e-commerce activity. They enrich the score when financial history is thin.
Does SCORE360 replace guarantee funds?
No. SCORE360 complements credit bureaus and guarantee funds. A better-supported score helps you target applications more precisely, and the decision stays with your institution.