A credit score built from what
a borrower actually does.
Kreedite converges utility payments, mobile usage patterns, transaction consistency and community repayment history into a single, explainable credit score - built for lending teams that need a real decision-support tool, not a black-box number.
Four consented signals lit in sequence and settled into one composite. No black box - every weight visible.
Your policy layers on top - approve, review or route to a stricter path. Kreedite is decision support, not the decision maker.
A creditworthy borrower who never had the chance to look creditworthy.
Traditional files were built around a narrow slice of borrower behavior. Everyone outside that slice - by geography, by income pattern, by banking history - shows up as a blank. Which is not the same thing as a risk.
A genuinely reliable borrower gets turned away because they have no traditional credit file at all - not because they failed to pay something back.
Alternative scoring often arrives as a single number with no visible reasoning. Lenders cannot defend a decision they cannot inspect.
Assessing scattered financial behavior application-by-application is slow, inconsistent, and impossible to run across a real lending volume.
Four stages, no black box.
The scoring pipeline reads like a lending analyst thinks - gather the signals, weigh them honestly, arrive at a score, then hand a recommendation to a human.
Non-traditional signals are collected across utility payments, mobile usage, transaction patterns and community lending history - only where the borrower has explicitly consented to each source.
Each signal is weighted by its actual predictive contribution against your loan-book outcomes - not by a fixed one-size template that ignores your borrower reality.
A single credit score is generated, and every contributing signal is broken out with its exact weight and contribution - explainable at every step to your credit committee and to regulators.
A tiered recommendation (approve, review, decline-risk) is surfaced. Your team, your rules and your final human review always remain in the loop - Kreedite is decision support.
Concrete capabilities. Not a black-box score.
Draws from utility payment records, mobile usage consistency, verified transaction history and community lending outcomes - only where each source is available and the borrower has consented.
Every signal that contributed to the score is broken out with its exact weight and direction of contribution. The reasoning behind the number is defensible in front of a credit committee or a regulator.
Not a binary yes-or-no. Each application is routed to one of three tiers - approve for review, manual review advised, or high-risk route - which your underwriting policy can then act on with its own rules.
Aggregate risk trends across your scored borrower base are tracked over time - default correlation, tier migration, segment drift - so your credit policy can respond before the portfolio does.
Two lending institutions. One scoring discipline.
Alternative scoring at the scale of a growing loan book.
Move alternative-data credit decisioning from a manual, one-by-one review to a repeatable, defensible engine that keeps up as your book grows. Retain policy control, gain assessment throughput.
- Volume-native scoring pipeline
- Configurable rules per product line
- Portfolio drift monitoring
Decision support built for underbanked borrower realities.
Not adapted from urban consumer credit tools. Community repayment history, group lending outcomes, seasonal cash flow variance and geographic factors are treated as first-class signals, not afterthoughts.
- First-class community history signals
- Seasonal cash-flow aware
- Field-officer friendly explanations
The three properties we refuse to trade off.
Numeric accuracy and pilot benchmarks are shared under NDA during diligence - published performance figures follow only when a statistically meaningful cohort has cleared its full loan lifecycle.
Try the score. Not the sales deck.
The same signal-convergence mechanic that runs in production - available here against an illustrative borrower pattern you describe. Adjust the profile and watch the composite rebuild in real time.
Set the borrower pattern.
Adjust the four signal profiles below. Segments are re-weighted, the score is re-computed and a recommendation tier is surfaced - all transparently, using the same explainability model that runs in production scoring.
An illustrative demonstration based on typical patterns - not a live read of any actual borrower's data. Production scoring runs against consented, verified sources inside the lender's environment.
Run Kreedite against an
anonymized slice of your actual portfolio.
Bring five or ten applications, redacted to your comfort level. We will score them end to end and walk your committee through every signal, every weight, every recommendation - in one working session.
- Under NDA, from first email
- Anonymized sample only
- Written scoping note follows