Financial Intelligence That Scales With You
Financial Intelligence That Scales With You
Financial Intelligence That Scales With You
Financial Intelligence That Scales With You
Financial Intelligence That Scales With You
Real-time data. Real-time results.
Kamoa Score Suite
Kamoa Score Suite
Kamoa Score Suite
Extract & Authenticate
Reliable Data Extraction & Validation
Kamoa Extract & Authenticate extracts and validates PDF statements from M-Pesa, Till, and major Kenyan banks, delivering clean, structured data for fast, secure, and accurate decision-making
Lite
Instant Credit Scoring
KamoaLite adds real-time risk scoring and credit limits to Kamoa E&A, enabling instant, model-free credit decisions
360
Deep Financial & Behavioral Insights
Kamoa360 provides advanced behavioral and financial signals for richer risk assessment, user segmentation, and targeted credit strategies
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Bundles
Bundles
Bundles
In partnership with
Boosted Score
A Smarter, More Inclusive Credit Score
The Boosted Score combines traditional credit data with alternative insights—like app usage, transaction trends, and informal financial activity—to deliver a broader, more accurate view of creditworthiness. Powered by Creditinfo Kenya and Kamoa’s proprietary data, it enables fairer, more predictive lending decisions.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 46 46" xmlns="http://www.w3.org/2000/svg"><path d="M 8 46 C 3.582 46 0 42.418 0 38 L 0 8 C 0 3.582 3.582 0 8 0 L 38 0 C 42.418 0 46 3.582 46 8 L 46 38 C 46 42.418 42.418 46 38 46 Z" fill="rgb(37, 99, 235)" height="46px" id="NlO3Xaywt" width="46px"/><path d="M 10.833 0 L 10.833 4.333 C 10.833 4.908 11.062 5.459 11.468 5.865 C 11.874 6.272 12.425 6.5 13 6.5 L 17.333 6.5 M 4.333 17.333 L 4.333 15.167 M 8.667 17.333 L 8.667 13 M 13 17.333 L 13 10.833 M 11.917 0 L 2.167 0 C 1.592 0 1.041 0.228 0.635 0.635 C 0.228 1.041 0 1.592 0 2.167 L 0 19.5 C 0 20.075 0.228 20.626 0.635 21.032 C 1.041 21.438 1.592 21.667 2.167 21.667 L 15.167 21.667 C 15.741 21.667 16.292 21.438 16.699 21.032 C 17.105 20.626 17.333 20.075 17.333 19.5 L 17.333 5.417 Z" fill="transparent" height="21.666600000000003px" id="MziclpwPP" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" stroke="rgb(255, 255, 255)" transform="translate(14.333 12.167)" width="17.3333px"/></svg>)
Bundle 1
Boosted Score + Creditinfo report
Takes ID details and returns a Creditinfo Kenya (CIK) report plus the Boosted Score—a more inclusive credit score combining bureau and alternative data.
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Bundle 2
Boosted Score + Creditinfo report+ Kamoa Score360
Combines ID details and cash flow statements to return a CIK report, Boosted Score, raw transaction data, and enriched cash-flow features—ideal for lenders using bank or mobile money statements in onboarding.
Boosted Score + CreditInfo report+ Kamoa Score360
Combines ID details and cash flow statements to return a CIK report, Boosted Score, raw transaction data, and enriched cash-flow features—ideal for lenders using bank or mobile money statements during onboarding or application.
More information
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Lead Generation
Lead Generation
Lead Generation
Get prequalified leads matched to your risk appetite, criteria, and ideal customer profile — so you only engage with the right borrowers.
• Set your risk level and target demographic
• Add scoring tools for end-to-end decisioning
• Use Lead Generation on its own — or combine it with KamoaLite, Kamoa360, or a Boosted Score Bundle.
This feature is available through API and Web Portal.
Get prequalified leads matched to your risk appetite, criteria, and ideal customer profile — so you only engage with the right borrowers.
• Set your risk level and target demographic
• Add scoring tools for end-to-end decisioning
• Use Lead Generation on its own — or combine it with KamoaLite, Kamoa360, or a Boosted Score Bundle.
This feature is available through API and Web Portal.
Get prequalified leads matched to your risk appetite, criteria, and ideal customer profile — so you only engage with the right borrowers.
• Set your risk level and target demographic
• Add scoring tools for end-to-end decisioning
• Use Lead Generation on its own — or combine it with KamoaLite, Kamoa360, or a Boosted Score Bundle.
This feature is available through API and Web Portal.
Get prequalified leads matched to your risk appetite, criteria, and ideal customer profile — so you only engage with the right borrowers.
• Set your risk level and target demographic
• Add scoring tools for end-to-end decisioning
• Use Lead Generation on its own — or combine it with KamoaLite, Kamoa360, or a Boosted Score Bundle.
This feature is available through API and Web Portal.
Easy Integration
API
API
Our API enables seamless integration and real-time data exchange across your systems.
See API doc
SDK
SDK
Use our SDK to easily embed powerful analytics directly into your platform.
Contact to product@kamoa.app
Web portal
Web portal
Access our web portal anytime, anywhere—fully online and optimized for all devices.
See Portal
Explore Use Cases
Trusted by top financial institutions
Trusted by top financial institutions
Trusted by top financial institutions
Trusted by top financial institutions
Trusted by top financial institutions
Schedule a demo
Kamoa is not a financial institution or lender.
We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.
All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.
Kamoa is completely free to use, with no hidden fees or charges for users
Kamoa is not a financial institution or lender.
We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.
All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.
Kamoa is completely free to use, with no hidden fees or charges for users
Kamoa is not a financial institution or lender.
We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.
All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.
Kamoa is completely free to use, with no hidden fees or charges for users.
Kamoa is not a financial institution or lender.
We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.
All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.
Kamoa is completely free to use, with no hidden fees or charges for users.
Kamoa is not a financial institution or lender.
We’re a digital platform that connects users to a range of trusted financial providers in Kenya and Nigeria — including lenders, savings tools, and other financial services.
All product details, terms, and rates are clearly presented before any decisions are made, so users can make informed choices with confidence.
Kamoa is completely free to use, with no hidden fees or charges for users.