Use Cases
SME Lending
Generate business-specific features from both pure business and mixed-use statements.Our parser distinguishes business from personal cash flows, flags revenue patterns, and builds features on working capital, expense volatility, and liquidity. Ideal for underwriting SMEs operating in informal or blended financial environments.
MSME lending
Business Lending
SME
Informal Lending
SME Credit
Asset Financing
Assess borrowers for asset financing—especially informal workers, daily earners, and drivers—by analysing income patterns, spending behavior, and financial stability. Even when income is irregular or informal, detect behavioral signals that indicate the ability to manage small, frequent payments typical of PAYG models. Understand affordability levels and segment borrowers into those suited for larger one-off payments versus flexible pay-as-you-go (daily or weekly) structures.
BNPL
PAYGO
Asset Financing
Gig Economy
Savings Behaviour Analysis
Measure saving capacity and discipline through mobile wallet activity—no formal savings account required. Detect consistent balances, use of services like M-Shwari or KCB M-Pesa, and end-of-month cash buffers—track income vs. spending, recurring bills, and budgeting patterns to identify financially resilient users.
Digital Savings
Savings Analytics
M-Shwari
KCB M-pesa
BNPL Risk Assessment
Evaluate short-term repayment risk for BNPL using real-time behavioural signals. Assess affordability by analysing liquidity buffers, income regularity, and payment discipline. Spot irregular spending and liquidity dips that signal repayment risk, before credit is extended.
BNPL
Short-Term Credit
Affordability
Early Warning
Insurance Scoring
Segment customers, personalise premiums, and reduce claim risk using predictive signals like income stability, savings habits, and transaction patterns. Identify high-risk profiles early, flag financial stress before underwriting, and go beyond credit scores to drive smarter pricing and better retention.
Insurance
Risk Scoring
Insurance Claims
Mortgage Evaluation
Assess mortgage readiness using real-world signals like steady earnings, responsible spending, and repayment reliability. Estimate repayment capacity, simulate LTV scenarios, and flag default risk— even without traditional credit files. Use location and cash flow patterns to verify property-linked activity and tailor loan terms with confidence.
Mortgage
Long-Term Credit
Affordability
LTV
Property
Debt Refinancing & Restructuring
Surface borrower distress early through shifts in earnings, repayment delays, or declining balances. Segment candidates by risk and capacity using real-time behavioural signals, and recommend tailored restructuring terms to reduce delinquency, support financial recovery, and strengthen overall portfolio performance.
Debt Management
Restructuring
Behavioural Risk
Portfolio Management
SME lending
Generate business-specific features from both pure business and mixed-use statements.Our parser distinguishes business from personal cash flows, flags revenue patterns, and builds features on working capital, expense volatility, and liquidity. Ideal for underwriting SMEs operating in informal or blended financial environments.
MSME lending
Business Lending
SME
Informal Lending
SME Credit
Asset Financing
Assess borrowers for asset financing—especially informal workers, daily earners, and drivers—by analysing income patterns, spending behavior, and financial stability. Even when income is irregular or informal, detect behavioral signals that indicate the ability to manage small, frequent payments typical of PAYG models. Understand affordability levels and segment borrowers into those suited for larger one-off payments versus flexible pay-as-you-go (daily or weekly) structures.
BNPL
PAYGO
Asset Financing
Gig Economy
Savings Behaviour Analysis
Measure saving capacity and discipline through mobile wallet activity—no formal savings account required. Detect consistent balances, use of services like M-Shwari or KCB M-Pesa, and end-of-month cash buffers—track income vs. spending, recurring bills, and budgeting patterns to identify financially resilient users.
Digital Savings
Savings Analytics
M-Shwari
KCB M-pesa
BNPL Risk Assessment
Evaluate short-term repayment risk for BNPL using real-time behavioural signals. Assess affordability by analysing liquidity buffers, income regularity, and payment discipline. Spot irregular spending and liquidity dips that signal repayment risk, before credit is extended.
BNPL
Short-Term Credit
Affordability
Early Warning
Insurance Scoring
Segment customers, personalise premiums, and reduce claim risk using predictive signals like income stability, savings habits, and transaction patterns. Identify high-risk profiles early, flag financial stress before underwriting, and go beyond credit scores to drive smarter pricing and better retention.
Insurance
Risk Scoring
Insurance Claims
Mortgage Evaluation
Assess mortgage readiness using real-world signals like steady earnings, responsible spending, and repayment reliability. Estimate repayment capacity, simulate LTV scenarios, and flag default risk— even without traditional credit files. Use location and cash flow patterns to verify property-linked activity and tailor loan terms with confidence.
Mortgage
Long-Term Credit
Affordability
LTV
Property
Debt Refinancing & Restructuring
Surface borrower distress early through shifts in earnings, repayment delays, or declining balances. Segment candidates by risk and capacity using real-time behavioural signals, and recommend tailored restructuring terms to reduce delinquency, support financial recovery, and strengthen overall portfolio performance.
Debt Management
Restructuring
Behavioural Risk
Portfolio Management
SME lending
Generate business-specific features from both pure business and mixed-use statements.Our parser distinguishes business from personal cash flows, flags revenue patterns, and builds features on working capital, expense volatility, and liquidity. Ideal for underwriting SMEs operating in informal or blended financial environments.
MSME lending
Business Lending
SME
Informal Lending
SME Credit
Asset Financing
Assess borrowers for asset financing—especially informal workers, daily earners, and drivers—by analysing income patterns, spending behavior, and financial stability. Even when income is irregular or informal, detect behavioral signals that indicate the ability to manage small, frequent payments typical of PAYG models. Understand affordability levels and segment borrowers into those suited for larger one-off payments versus flexible pay-as-you-go (daily or weekly) structures.
BNPL
PAYGO
Asset Financing
Gig Economy
Savings Behaviour Analysis
Measure saving capacity and discipline through mobile wallet activity—no formal savings account required. Detect consistent balances, use of services like M-Shwari or KCB M-Pesa, and end-of-month cash buffers—track income vs. spending, recurring bills, and budgeting patterns to identify financially resilient users.
Digital Savings
Savings Analytics
M-Shwari
KCB M-pesa
BNPL Risk Assessment
Evaluate short-term repayment risk for BNPL using real-time behavioural signals. Assess affordability by analysing liquidity buffers, income regularity, and payment discipline. Spot irregular spending and liquidity dips that signal repayment risk, before credit is extended.
BNPL
Short-Term Credit
Affordability
Early Warning
Insurance Scoring
Segment customers, personalise premiums, and reduce claim risk using predictive signals like income stability, savings habits, and transaction patterns. Identify high-risk profiles early, flag financial stress before underwriting, and go beyond credit scores to drive smarter pricing and better retention.
Insurance
Risk Scoring
Insurance Claims
Mortgage Evaluation
Assess mortgage readiness using real-world signals like steady earnings, responsible spending, and repayment reliability. Estimate repayment capacity, simulate LTV scenarios, and flag default risk— even without traditional credit files. Use location and cash flow patterns to verify property-linked activity and tailor loan terms with confidence.
Mortgage
Long-Term Credit
Affordability
LTV
Property
Debt Refinancing & Restructuring
Surface borrower distress early through shifts in earnings, repayment delays, or declining balances. Segment candidates by risk and capacity using real-time behavioural signals, and recommend tailored restructuring terms to reduce delinquency, support financial recovery, and strengthen overall portfolio performance.
Debt Management
Restructuring
Behavioural Risk
Portfolio Management
SME Lending
Generate business-specific features from both pure business and mixed-use statements.Our parser distinguishes business from personal cash flows, flags revenue patterns, and builds features on working capital, expense volatility, and liquidity. Ideal for underwriting SMEs operating in informal or blended financial environments.
MSME lending
Business Lending
SME
Informal Lending
SME Credit
Asset Financing
Assess borrowers for asset financing—especially informal workers, daily earners, and drivers—by analysing income patterns, spending behavior, and financial stability. Even when income is irregular or informal, detect behavioral signals that indicate the ability to manage small, frequent payments typical of PAYG models. Understand affordability levels and segment borrowers into those suited for larger one-off payments versus flexible pay-as-you-go (daily or weekly) structures.
BNPL
PAYGO
Asset Financing
Gig Economy
Savings Behaviour Analysis
Measure saving capacity and discipline through mobile wallet activity—no formal savings account required. Detect consistent balances, use of services like M-Shwari or KCB M-Pesa, and end-of-month cash buffers—track income vs. spending, recurring bills, and budgeting patterns to identify financially resilient users.
Digital Savings
Savings Analytics
M-Shwari
KCB M-pesa
BNPL Risk Assessment
Evaluate short-term repayment risk for BNPL using real-time behavioural signals. Assess affordability by analysing liquidity buffers, income regularity, and payment discipline. Spot irregular spending and liquidity dips that signal repayment risk, before credit is extended.
BNPL
Short-Term Credit
Affordability
Early Warning
Insurance Scoring
Segment customers, personalise premiums, and reduce claim risk using predictive signals like income stability, savings habits, and transaction patterns. Identify high-risk profiles early, flag financial stress before underwriting, and go beyond credit scores to drive smarter pricing and better retention.
Insurance
Risk Scoring
Insurance Claims
Mortgage Evaluation
Assess mortgage readiness using real-world signals like steady earnings, responsible spending, and repayment reliability. Estimate repayment capacity, simulate LTV scenarios, and flag default risk— even without traditional credit files. Use location and cash flow patterns to verify property-linked activity and tailor loan terms with confidence.
Mortgage
Long-Term Credit
Affordability
LTV
Property
Debt Refinancing & Restructuring
Surface borrower distress early through shifts in earnings, repayment delays, or declining balances. Segment candidates by risk and capacity using real-time behavioural signals, and recommend tailored restructuring terms to reduce delinquency, support financial recovery, and strengthen overall portfolio performance.
Debt Management
Restructuring
Behavioural Risk
Portfolio Management
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.