Use Cases
Authentication & Document Verification
Verify user identity by extracting key details from uploaded documents, detecting inconsistencies or tampering through structural and semantic checks, and cross-validating against third-party and government sources to generate a trust score and decisioning indicator.
KYC
Identity Trust
Fraud Detection
Onboarding
Risk
Profile Builder
Build a unified customer profile by combining demographic, identity, and behavioural signals to reveal financial habits, lifestyle patterns, risk factors, and KYC-verified details for smarter decision-making and personalised engagement.
Identity
KYC
Demographics
Lifestyle
Risk
Onboarding
Income Estimation
Estimate income with high precision using mobile money flows, disbursement activity, and recurring transaction patterns across formal and informal channels. Capture daily earnings, seasonal trends, and financial stability—no need for payslips or formal credit records. Leverage features like income brackets, recurrence, and liquidity consistency to drive inclusive underwriting, accurate affordability models, and dynamic loan sizing for gig workers, SMEs, and informal earners.
Income Estimation
Informal Income
Liquidity
Gig Economy
Risk-Based Pricing
Price loans dynamically using actual financial habits—stable inflows, spending control, and repayment timing. Go beyond static scores to reflect actual capacity and financial discipline. Offer fairer, more personalised rates that protect margins while rewarding low-risk borrowers.
Pricing
Credit Risk
Dynamic
Dynamic Pricing
Customer Segmentation
Segment customers with precision using behavioural, transactional, and other alternative signals. Use real-time insights on income patterns, digital engagement, financial stability, and risk traits to tailor outreach and product fit. Power targeted product design, smarter engagement, and differentiated credit strategies.
Segmentation
Credit Strategy
Customer Targeting
Risk Profiling
Line Increase & Limit Management
Adjust credit limits dynamically based on real-time financial signals. Track income growth, spending stability, repayment discipline, and liquidity trends to identify customers ready for higher limits. Reduce exposure to overextension while unlocking upsell potential and customer loyalty among low-risk borrowers.
Line Increase
Credit Limits
Upsell
Growth
Customer Retention & Churn Risk
Detect early signs of disengagement or financial stress by monitoring shifts in income, usage patterns, and repayment behaviour. Identify at-risk customers before they churn or lapse, and trigger proactive outreach, re-engagement offers, or tailored restructures. Improve retention, protect lifetime value, and reduce acquisition pressure through timely, data-driven intervention.
Retention
Churn
Early Warning
Lifecycle Management
Cross-Sell & Upsell Opportunity Detection
Detect early signs of repayment risk and financial distress to trigger targeted, proactive outreach. Prioritise delinquency management based on borrower risk, capacity to repay, and willingness indicators. Use behavioural signals like liquidity gaps, reduced income frequency, and shrinking buffers to guide segmentation and recovery strategy.
Lifecycle Management
Upsell
Product Expansion
Collections & Recoveries Optimisation
Identify users who are financially healthy and underutilising products. Use income growth, spending stability, and savings patterns to flag candidates for new credit lines, savings products, or insurance. Support personalised product expansion while minimising risk exposure.
Collections
Recovery
Delinquency Expansion
Early Warning
Financial Education
Detect users showing signs of financial stress, undisciplined spending, or erratic income and flag them for financial literacy content or tools. Offer nudges, tips, or budgeting features tailored to their financial behaviours. Drive long-term resilience, reduce credit risk, and deepen engagement.
Financial Literacy
Education
Financial Inclusion
Authentication & Document Verification
Verify user identity by extracting key details from uploaded documents, detecting inconsistencies or tampering through structural and semantic checks, and cross-validating against third-party and government sources to generate a trust score and decisioning indicator.
KYC
Identity Trust
Fraud Detection
Onboarding
Risk
Profile Builder
Build a unified customer profile by combining demographic, identity, and behavioural signals to reveal financial habits, lifestyle patterns, risk factors, and KYC-verified details for smarter decision-making and personalised engagement.
Identity
KYC
Demographics
Lifestyle
Risk
Onboarding
Income Estimation
Estimate income with high precision using mobile money flows, disbursement activity, and recurring transaction patterns across formal and informal channels. Capture daily earnings, seasonal trends, and financial stability—no need for payslips or formal credit records. Leverage features like income brackets, recurrence, and liquidity consistency to drive inclusive underwriting, accurate affordability models, and dynamic loan sizing for gig workers, SMEs, and informal earners.
Income Estimation
Informal Income
Liquidity
Gig Economy
Risk-Based Pricing
Price loans dynamically using actual financial habits—stable inflows, spending control, and repayment timing. Go beyond static scores to reflect actual capacity and financial discipline. Offer fairer, more personalised rates that protect margins while rewarding low-risk borrowers.
Pricing
Credit Risk
Dynamic
Dynamic Pricing
Customer Segmentation
Segment customers with precision using behavioural, transactional, and other alternative signals. Use real-time insights on income patterns, digital engagement, financial stability, and risk traits to tailor outreach and product fit. Power targeted product design, smarter engagement, and differentiated credit strategies.
Segmentation
Credit Strategy
Customer Targeting
Risk Profiling
Line Increase & Limit Management
Adjust credit limits dynamically based on real-time financial signals. Track income growth, spending stability, repayment discipline, and liquidity trends to identify customers ready for higher limits. Reduce exposure to overextension while unlocking upsell potential and customer loyalty among low-risk borrowers.
Line Increase
Credit Limits
Upsell
Growth
Customer Retention & Churn Risk
Detect early signs of disengagement or financial stress by monitoring shifts in income, usage patterns, and repayment behaviour. Identify at-risk customers before they churn or lapse, and trigger proactive outreach, re-engagement offers, or tailored restructures. Improve retention, protect lifetime value, and reduce acquisition pressure through timely, data-driven intervention.
Retention
Churn
Early Warning
Lifecycle Management
Cross-Sell & Upsell Opportunity Detection
Detect early signs of repayment risk and financial distress to trigger targeted, proactive outreach. Prioritise delinquency management based on borrower risk, capacity to repay, and willingness indicators. Use behavioural signals like liquidity gaps, reduced income frequency, and shrinking buffers to guide segmentation and recovery strategy.
Lifecycle Management
Upsell
Product Expansion
Collections & Recoveries Optimisation
Identify users who are financially healthy and underutilising products. Use income growth, spending stability, and savings patterns to flag candidates for new credit lines, savings products, or insurance. Support personalised product expansion while minimising risk exposure.
Collections
Recovery
Delinquency Expansion
Early Warning
Financial Education
Detect users showing signs of financial stress, undisciplined spending, or erratic income and flag them for financial literacy content or tools. Offer nudges, tips, or budgeting features tailored to their financial behaviours. Drive long-term resilience, reduce credit risk, and deepen engagement.
Financial Literacy
Education
Financial Inclusion
Authentication & Document Verification
Verify user identity by extracting key details from uploaded documents, detecting inconsistencies or tampering through structural and semantic checks, and cross-validating against third-party and government sources to generate a trust score and decisioning indicator.
KYC
Identity Trust
Fraud Detection
Onboarding
Risk
Profile Builder
Build a unified customer profile by combining demographic, identity, and behavioural signals to reveal financial habits, lifestyle patterns, risk factors, and KYC-verified details for smarter decision-making and personalised engagement.
Identity
KYC
Demographics
Lifestyle
Risk
Onboarding
Income Estimation
Estimate income with high precision using mobile money flows, disbursement activity, and recurring transaction patterns across formal and informal channels. Capture daily earnings, seasonal trends, and financial stability—no need for payslips or formal credit records. Leverage features like income brackets, recurrence, and liquidity consistency to drive inclusive underwriting, accurate affordability models, and dynamic loan sizing for gig workers, SMEs, and informal earners.
Income Estimation
Informal Income
Liquidity
Gig Economy
Risk-Based Pricing
Price loans dynamically using actual financial habits—stable inflows, spending control, and repayment timing. Go beyond static scores to reflect actual capacity and financial discipline. Offer fairer, more personalised rates that protect margins while rewarding low-risk borrowers.
Pricing
Credit Risk
Dynamic
Dynamic Pricing
Customer Segmentation
Segment customers with precision using behavioural, transactional, and other alternative signals. Use real-time insights on income patterns, digital engagement, financial stability, and risk traits to tailor outreach and product fit. Power targeted product design, smarter engagement, and differentiated credit strategies.
Segmentation
Credit Strategy
Customer Targeting
Risk Profiling
Line Increase & Limit Management
Adjust credit limits dynamically based on real-time financial signals. Track income growth, spending stability, repayment discipline, and liquidity trends to identify customers ready for higher limits. Reduce exposure to overextension while unlocking upsell potential and customer loyalty among low-risk borrowers.
Line Increase
Credit Limits
Upsell
Growth
Customer Retention & Churn Risk
Detect early signs of disengagement or financial stress by monitoring shifts in income, usage patterns, and repayment behaviour. Identify at-risk customers before they churn or lapse, and trigger proactive outreach, re-engagement offers, or tailored restructures. Improve retention, protect lifetime value, and reduce acquisition pressure through timely, data-driven intervention.
Retention
Churn
Early Warning
Lifecycle Management
Cross-Sell & Upsell Opportunity Detection
Detect early signs of repayment risk and financial distress to trigger targeted, proactive outreach. Prioritise delinquency management based on borrower risk, capacity to repay, and willingness indicators. Use behavioural signals like liquidity gaps, reduced income frequency, and shrinking buffers to guide segmentation and recovery strategy.
Lifecycle Management
Upsell
Product Expansion
Collections & Recoveries Optimisation
Identify users who are financially healthy and underutilising products. Use income growth, spending stability, and savings patterns to flag candidates for new credit lines, savings products, or insurance. Support personalised product expansion while minimising risk exposure.
Collections
Recovery
Delinquency Expansion
Early Warning
Financial Education
Detect users showing signs of financial stress, undisciplined spending, or erratic income and flag them for financial literacy content or tools. Offer nudges, tips, or budgeting features tailored to their financial behaviours. Drive long-term resilience, reduce credit risk, and deepen engagement.
Financial Literacy
Education
Financial Inclusion
Authentication & Document Verification
Verify user identity by extracting key details from uploaded documents, detecting inconsistencies or tampering through structural and semantic checks, and cross-validating against third-party and government sources to generate a trust score and decisioning indicator.
KYC
Identity Trust
Fraud Detection
Onboarding
Risk
Profile Builder
Build a unified customer profile by combining demographic, identity, and behavioural signals to reveal financial habits, lifestyle patterns, risk factors, and KYC-verified details for smarter decision-making and personalised engagement.
Identity
KYC
Demographics
Lifestyle
Risk
Onboarding
Income Estimation
Estimate income with high precision using mobile money flows, disbursement activity, and recurring transaction patterns across formal and informal channels. Capture daily earnings, seasonal trends, and financial stability—no need for payslips or formal credit records. Leverage features like income brackets, recurrence, and liquidity consistency to drive inclusive underwriting, accurate affordability models, and dynamic loan sizing for gig workers, SMEs, and informal earners.
Income Estimation
Informal Income
Liquidity
Gig Economy
Risk-Based Pricing
Price loans dynamically using actual financial habits—stable inflows, spending control, and repayment timing. Go beyond static scores to reflect actual capacity and financial discipline. Offer fairer, more personalised rates that protect margins while rewarding low-risk borrowers.
Pricing
Credit Risk
Dynamic
Dynamic Pricing
Customer Segmentation
Segment customers with precision using behavioural, transactional, and other alternative signals. Use real-time insights on income patterns, digital engagement, financial stability, and risk traits to tailor outreach and product fit. Power targeted product design, smarter engagement, and differentiated credit strategies.
Segmentation
Credit Strategy
Customer Targeting
Risk Profiling
Line Increase & Limit Management
Adjust credit limits dynamically based on real-time financial signals. Track income growth, spending stability, repayment discipline, and liquidity trends to identify customers ready for higher limits. Reduce exposure to overextension while unlocking upsell potential and customer loyalty among low-risk borrowers.
Line Increase
Credit Limits
Upsell
Growth
Customer Retention & Churn Risk
Detect early signs of disengagement or financial stress by monitoring shifts in income, usage patterns, and repayment behaviour. Identify at-risk customers before they churn or lapse, and trigger proactive outreach, re-engagement offers, or tailored restructures. Improve retention, protect lifetime value, and reduce acquisition pressure through timely, data-driven intervention.
Retention
Churn
Early Warning
Lifecycle Management
Cross-Sell & Upsell Opportunity Detection
Detect early signs of repayment risk and financial distress to trigger targeted, proactive outreach. Prioritise delinquency management based on borrower risk, capacity to repay, and willingness indicators. Use behavioural signals like liquidity gaps, reduced income frequency, and shrinking buffers to guide segmentation and recovery strategy.
Lifecycle Management
Upsell
Product Expansion
Collections & Recoveries Optimisation
Identify users who are financially healthy and underutilising products. Use income growth, spending stability, and savings patterns to flag candidates for new credit lines, savings products, or insurance. Support personalised product expansion while minimising risk exposure.
Collections
Recovery
Delinquency Expansion
Early Warning
Financial Education
Detect users showing signs of financial stress, undisciplined spending, or erratic income and flag them for financial literacy content or tools. Offer nudges, tips, or budgeting features tailored to their financial behaviours. Drive long-term resilience, reduce credit risk, and deepen engagement.
Financial Literacy
Education
Financial Inclusion
Schedule a demo
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made.
Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made.
Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.