Digitalise your origination

and credit scoring

Digitalise your origination

and credit scoring

Kamoa combines traditional, alternative and smartphone-generated data to revolutionise digital loan origination and scoring for lenders across Africa.

Through our SME and consumer mobile app we unlock access to real-time credit data, minimising risk, growing portfolios, and speeding up decisioning and turn around time. We're already helping lenders digitise their customer acquisition, launch innovative products, and make informed decisions with a suite of products specifically designed for African lenders.

Kamoa combines traditional, alternative and smartphone-generated data to revolutionise digital loan origination and scoring for lenders across Africa.

Through our SME and consumer mobile app we unlock access to real-time credit data, minimising risk, growing portfolios, and speeding up decisioning and turn around time. We're already helping lenders digitise their customer acquisition, launch innovative products, and make informed decisions with a suite of products specifically designed for African lenders.

Join the credit data

revolution

Join the credit data

revolution

Smartphone accessibility and the large-scale adoption of app-based products throughout the MEA region has created the ability for users to generate substantial amounts of rich, alternative data.

Smartphone accessibility and the large-scale adoption of app-based products throughout the MEA region has created the ability for users to generate substantial amounts of rich, alternative data.

We know this data can be used to empower individuals by being aggregated into a real-time alternative credit score based on a range of traditional, alternative, transactional and meta data.

We know this data can be used to empower individuals by being aggregated into a real-time alternative credit score based on a range of traditional, alternative, transactional and meta data.

The Kamoa developed a unique approach to gathering alternative data, creating a decentralised credit bureau through every user’s smartphone.

The Kamoa developed a unique approach to gathering alternative data, creating a decentralised credit bureau through every user’s smartphone.

This data is invaluable to the lenders we work with, helping them to reduce risk, improve portfolio performance and speed up the origination journey.

This data is invaluable to the lenders we work with, helping them to reduce risk, improve portfolio performance and speed up the origination journey.

Get Started

Get Started

Get Started

Realising the potential of

alternative data

Realising the potential of alternative data

Kamoa is an open marketplace for lenders seeking to revolutionise the way they offer financial products and services. By opening up a world of alternative data and digital origination, Kamoa enables lenders to tap into a market of consumers seeking to improve their finances and gain better access to credit.


With Kamoa, lenders can leverage alternative data sources and gain a more comprehensive understanding of their potential borrowers. This granular data allows lenders to make informed lending decisions, helping them reduce risk and better serve their customers.

Kamoa is an open marketplace for lenders seeking to revolutionise the way they offer financial products and services. By opening up a world of alternative data and digital origination, Kamoa enables lenders to tap into a market of consumers seeking to improve their finances and gain better access to credit.


With Kamoa, lenders can leverage alternative data sources and gain a more comprehensive understanding of their potential borrowers. This granular data allows lenders to make informed lending decisions, helping them reduce risk and better serve their customers.

Kamoa helps lenders:

Kamoa helps lenders:

Digitalise origination

Digitalise origination

Reach new customers

Reach new customers

Reduce risk

Reduce risk

Make decisions based on meaningful data

Make decisions based on meaningful data

Launch new products

Launch new products

Upgrade to

digital origination

Upgrade to

digital origination

Kamoa's digital origination platform enables lenders to offer innovative financial products and services that meet the evolving needs of today's consumers. Customers can access services online through the Kamoa mobile app, making it easier than ever for them to build their credit profile, apply for loans, and access credit.


Through its cutting-edge technology and commitment to innovation, Kamoa is transforming the world of lending, empowering lenders to offer products and services that meet the needs of all consumers, regardless of their financial situation. If you're looking to take your lending operations to the next level, get in touch today.

Kamoa's digital origination platform enables lenders to offer innovative financial products and services that meet the evolving needs of today's consumers. Customers can access services online through the Kamoa mobile app, making it easier than ever for them to build their credit profile, apply for loans, and access credit.


Through its cutting-edge technology and commitment to innovation, Kamoa is transforming the world of lending, empowering lenders to offer products and services that meet the needs of all consumers, regardless of their financial situation. If you're looking to take your lending operations to the next level, get in touch today.

Get Started

Get Started

Get Started

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.