Credit intelligence that understands African realities
PeerPay's Smart Credit Advisory analyzes what traditional bureaus miss mobile money velocity, airtime purchase patterns, savings group participation, utility payment consistency, and social commerce behavior. Our AI was trained on millions of African lending outcomes, not imported Western datasets.
Alternative Data Processing
Every agreement is written in plain language with all terms visible upfront. Payment schedules, interest rates, penalties, and obligations are disclosed before anyone commits.
Real-Time Decisioning
Credit decisions in under 30 seconds. No waiting days for bureau reports. No manual document review bottlenecks. Our API integrates directly into your loan origination system, providing instant risk scores.
Continuous Learning
Unlike static credit bureaus, our AI improves with every loan outcome. Models automatically retrain on your portfolio performance, adjusting risk weights based on what actually predicts default in your specific market.
Explainable AI
Every credit decision comes with clear reasoning. See exactly which factors drove the score positive signals that support approval, risk factors that suggest caution, and recommended mitigations.
Traditional credit assessment wasn't built for Africa
Banks face impossible choices: reject good customers because they lack credit scores, or approve risky loans based on gut feeling. Manual underwriting is slow, inconsistent, and expensive. Credit officers make subjective decisions that vary wildly. Portfolio quality suffers while opportunity costs mount. FCS Network (Automated Financial Commitment Settlement Network) is a groundbreaking platform redefining how credit and financial agreements are managed in Nigeria.
The creditworthy invisible
Our vision is to create a world where financial opportunities are fair, reliable, and effortless. where access to credit is simple, accountability is built-in, and individuals and businesses across Africa can grow, thrive, and trust every step of the way.
From data chaos to instant decisions
When a loan application enters PeerPay's Smart Credit Advisory, hundreds of processes happen in seconds. Our AI simultaneously analyzes mobile money velocity from the past 12 months, identifies income patterns from irregular deposits, assesses payment consistency across utilities and airtime, detects fraud signals in application data, and compares behavior against millions of similar profiles.
Built for regulatory scrutiny
Model Governance
Complete documentation of model development, validation, and performance monitoring. Quarterly model performance reports for credit committees and regulators.
Audit Trails
Every credit decision is logged with complete rationale, data sources, and human overrides. Full traceability for internal audits and regulatory examinations.
Fairness Testing
Regular analysis to ensure models don't discriminate based on protected characteristics. Bias detection and mitigation built into model development lifecycle.
Explainability
Every score comes with human-readable explanation of key decision factors—satisfying both credit officers and regulatory requirements for transparency.
Data Security
Bank-grade encryption, SOC 2 compliance, penetration testing, and regular security audits. Your customer data never leaves secure processing environment.