Real-time data. Real-time results.
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
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.
![](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="Guxv5jjJH" width="46px"/><path d="M 13.001 0 L 13.001 4.333 C 13.001 4.908 13.229 5.459 13.635 5.865 C 14.041 6.272 14.593 6.5 15.167 6.5 L 19.501 6.5 M 15.167 21.667 L 17.334 21.667 C 17.908 21.667 18.46 21.438 18.866 21.032 C 19.272 20.626 19.501 20.075 19.501 19.5 L 19.501 5.417 L 14.084 0 L 4.334 0 C 3.759 0 3.208 0.228 2.802 0.635 C 2.395 1.041 2.167 1.592 2.167 2.167 L 2.167 5.958 M 2.186 10.305 C 1.523 10.893 0.988 11.61 0.612 12.412 C 0.237 13.215 0.03 14.085 0.003 14.971 C -0.024 15.856 0.131 16.738 0.457 17.562 C 0.784 18.385 1.275 19.133 1.901 19.76 C 2.527 20.387 3.275 20.879 4.098 21.206 C 4.921 21.534 5.803 21.689 6.688 21.663 C 7.574 21.638 8.445 21.431 9.248 21.057 C 10.05 20.682 10.768 20.148 11.357 19.486 M 6.501 15.167 L 6.501 8.667 C 8.224 8.667 9.878 9.351 11.097 10.57 C 12.316 11.789 13.001 13.443 13.001 15.167 Z" fill="transparent" height="21.666600000000003px" id="e439rQM47" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" stroke="rgb(255, 255, 255)" transform="translate(12.166 12.167)" width="19.50053237762451px"/></svg>)
