Use Cases
New to Bank
Build credit profiles for first-time borrowers without relying on traditional credit bureau data. Leverage mobile money transactions, income patterns, and repayment behaviour to assess risk and eligibility. Confidently onboard new customers while managing exposure and expanding inclusion.
New-to-Credit
New-to-Bank
Financial Inclusion
Onboarding
Credit Building
Informal Income Profiles
Capture the financial lives of borrowers without payslips or formal employment. Track income trends, recurrence, and top-paying entities across mobile money flows to infer income reliability and financial discipline. Deliver accurate risk profiles for gig and cash-based earners through transaction patterns and income flows.
Income Estimation
Informal Workers
Informal Income
Gig Economy
SMEs & Micro-entrepreneurs
Profile small business owners and informal entrepreneurs using business location signals, mobile money flows, and financial stability indicators. Identify blended personal-business behaviour, income volatility, and operating patterns—even without formal registration or financial records. Build inclusive credit models that reflect the realities of informal and micro-enterprise ecosystems.
Informal SMEs
Microbusiness
Rural Populations
Profile rural and underbanked borrowers using alternative signals like mobile activity, location consistency, and digital savings behaviour. Profile rural borrowers via mobile usage, consistent location signals, and savings via channels like M-Shwari.
Rural Finance
Underserved Customers
Location Data check
Financial Inclusion
New
Understand young or first-time borrowers using mobile money data, income frequency, and digital habits. Identify responsible behaviours early and offer right-sized products that build loyalty—without waiting for traditional credit histories
Youth Finance
First-time Borrowers
Digital behaviour
Financial Inclusion
Thin File
Onboarding
New to Bank
Build credit profiles for first-time borrowers without relying on traditional credit bureau data. Leverage mobile money transactions, income patterns, and repayment behaviour to assess risk and eligibility. Confidently onboard new customers while managing exposure and expanding inclusion.
New-to-Credit
New-to-Bank
Financial Inclusion
Onboarding
Credit Building
Informal Income Profiles
Capture the financial lives of borrowers without payslips or formal employment. Track income trends, recurrence, and top-paying entities across mobile money flows to infer income reliability and financial discipline. Deliver accurate risk profiles for gig and cash-based earners through transaction patterns and income flows.
Income Estimation
Informal Workers
Informal Income
Gig Economy
SMEs & Micro-entrepreneurs
Profile small business owners and informal entrepreneurs using business location signals, mobile money flows, and financial stability indicators. Identify blended personal-business behaviour, income volatility, and operating patterns—even without formal registration or financial records. Build inclusive credit models that reflect the realities of informal and micro-enterprise ecosystems.
Informal SMEs
Microbusiness
Rural Populations
Profile rural and underbanked borrowers using alternative signals like mobile activity, location consistency, and digital savings behaviour. Profile rural borrowers via mobile usage, consistent location signals, and savings via channels like M-Shwari.
Rural Finance
Underserved Customers
Location Data check
Financial Inclusion
New
Understand young or first-time borrowers using mobile money data, income frequency, and digital habits. Identify responsible behaviours early and offer right-sized products that build loyalty—without waiting for traditional credit histories
Youth Finance
First-time Borrowers
Digital behaviour
Financial Inclusion
Thin File
Onboarding
New to Bank
Build credit profiles for first-time borrowers without relying on traditional credit bureau data. Leverage mobile money transactions, income patterns, and repayment behaviour to assess risk and eligibility. Confidently onboard new customers while managing exposure and expanding inclusion.
New-to-Credit
New-to-Bank
Financial Inclusion
Onboarding
Credit Building
Informal Income Profiles
Capture the financial lives of borrowers without payslips or formal employment. Track income trends, recurrence, and top-paying entities across mobile money flows to infer income reliability and financial discipline. Deliver accurate risk profiles for gig and cash-based earners through transaction patterns and income flows.
Income Estimation
Informal Workers
Informal Income
Gig Economy
SMEs & Micro-entrepreneurs
Profile small business owners and informal entrepreneurs using business location signals, mobile money flows, and financial stability indicators. Identify blended personal-business behaviour, income volatility, and operating patterns—even without formal registration or financial records. Build inclusive credit models that reflect the realities of informal and micro-enterprise ecosystems.
Informal SMEs
Microbusiness
Rural Populations
Profile rural and underbanked borrowers using alternative signals like mobile activity, location consistency, and digital savings behaviour. Profile rural borrowers via mobile usage, consistent location signals, and savings via channels like M-Shwari.
Rural Finance
Underserved Customers
Location Data check
Financial Inclusion
Youth & First-time Borrowers
Understand young or first-time borrowers using mobile money data, income frequency, and digital habits. Identify responsible behaviours early and offer right-sized products that build loyalty—without waiting for traditional credit histories
Youth Finance
First-time Borrowers
Digital behaviour
Financial Inclusion
Thin File
Onboarding
New to Bank
Build credit profiles for first-time borrowers without relying on traditional credit bureau data. Leverage mobile money transactions, income patterns, and repayment behaviour to assess risk and eligibility. Confidently onboard new customers while managing exposure and expanding inclusion.
New-to-Credit
New-to-Bank
Financial Inclusion
Onboarding
Credit Building
Informal Income Profiles
Capture the financial lives of borrowers without payslips or formal employment. Track income trends, recurrence, and top-paying entities across mobile money flows to infer income reliability and financial discipline. Deliver accurate risk profiles for gig and cash-based earners through transaction patterns and income flows.
Income Estimation
Informal Workers
Informal Income
Gig Economy
SMEs & Micro-entrepreneurs
Profile small business owners and informal entrepreneurs using business location signals, mobile money flows, and financial stability indicators. Identify blended personal-business behaviour, income volatility, and operating patterns—even without formal registration or financial records. Build inclusive credit models that reflect the realities of informal and micro-enterprise ecosystems.
Informal SMEs
Microbusiness
Rural Populations
Profile rural and underbanked borrowers using alternative signals like mobile activity, location consistency, and digital savings behaviour. Profile rural borrowers via mobile usage, consistent location signals, and savings via channels like M-Shwari.
Rural Finance
Underserved Customers
Location Data check
Financial Inclusion
Youth & First-time Borrowers
Understand young or first-time borrowers using mobile money data, income frequency, and digital habits. Identify responsible behaviours early and offer right-sized products that build loyalty—without waiting for traditional credit histories
Youth Finance
First-time Borrowers
Digital behaviour
Financial Inclusion
Thin File
Onboarding
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.