Credit Scoring & Predictive Analytics
We engineer the AI-enabled scoring intelligence that lets Ghana’s licensed lenders say “yes” to the millions their credit files can’t see. We blend mobile-money and alternative data into real-time, decision-ready scores, delivered through one secure API.
What We Engineer & Deploy
Credit360 Scoring Engine: real-time creditworthiness scores built on ML ensembles trained on Ghanaian financial behaviour, for thin-file and no-file applicants alike.
BizScore for MSMEs: sector-adjusted models that score merchant flows, mobile-money business activity and supply-chain data for the 85% of Ghanaian businesses locked out of formal credit.
RiskScorer: consented telecom and mobile-money behaviour turned into four clear risk tiers, from Prime and Near-Prime to Sub-Prime and New-to-Credit.
LendAPI & ScoreInsight: one OpenAPI 3.0 endpoint with SDKs, a synthetic-data sandbox, and a per-institution analytics dashboard tracking Gini, KS, AUC-ROC and PSI.
Embedded deployment: our specialists work inside your operations to connect scoring to your core systems and validate it under live conditions. Done when results are measurable, not when software is installed.
CREDIT360
Our AI-Enabled Credit Intelligence Suite
Most scoring models were built for markets with deep credit files. Credit360 is different. Developed by Npontu and trained on local financial behaviour: mobile money, telecom and payment data, it’s built from the ground up to score the way Ghanaians actually earn, spend and repay.
Industry Based Use Cases
For businesses to stay competitive, there is the need to adapt to relevant technology – we have helped many businesses with our AI & Data Management solutions in sectors such as;
Insurance
Microfinance
Health
Agriculture
Education
AI & Data Management for All Enterprises
Scaling from small to large enterprises, how can you leverage AI to reimagine business processes, gain a competitive edge, and unlock new opportunities for growth.
Revolutionize your AI journey by steering the course of this AI & Data Management Campaign via a transformation Champion.
Establishing a dedicated AI team with the expertise to design, implement, and manage AI initiatives across the organization.
Developing a robust AI governance framework to ensure ethical and responsible use of AI throughout the organization.
Snwolley WhatsApp – AI-Powered Business Messaging
Snwolley WhatsApp enables businesses to automate customer service, sales, and communication with intelligent AI agents on WhatsApp.
From 24/7 support and instant responses to lead generation and promotional campaigns, it ensures faster, smarter, and more consistent customer engagement.
With a simple setup process and a powerful dashboard, Snwolley makes it easy to train agents, monitor conversations, and track performance all while ensuring secure, GDPR-compliant communication.
Designed to scale, it helps businesses of all sizes boost efficiency, improve satisfaction, and drive growth.
Snwolley Automation for Enterprise Workflow Transformation
Automate end-to-end enterprise workflows — from approvals and service requests to multi-team operational processes.
Unify fragmented processes by connecting teams, systems, and data into a single coordinated flow.
Provide real-time visibility and control so leaders can monitor performance, track SLAs, and optimize operations in minutes.
AI-Enabled Credit Intelligence for Ghana
We engineer the scoring intelligence that lets Ghana's licensed lenders say "yes" to the millions their credit files can't see. We blend mobile-money and alternative data into real-time, decision-ready scores.
For banks, mobile-money operators, MFIs, and licensed lenders
Turn the data your customers already generate into credit you can extend with confidence. Most scoring models were built for markets with deep credit files. Credit360 is different — trained on local financial behaviour: mobile money, telecom, and payment data.