M-KUWA is a behavioural credit intelligence platform embedded at the point of loan origination. We track borrower financial behaviour — cashflow patterns, repayment history, savings resilience — and build a portable Trust Score (300–900) that lenders can rely on for faster, fairer decisions and borrowers can use to unlock better loan terms.
Built for Kenya's real data rails — mobile money, bank statements, and partner records — M-KUWA is the scoring infrastructure layer that every lender plugs into at the point of origination.
M-KUWA is a behavioural credit intelligence platform embedded at the point of loan origination in Kenya. We integrate with banks, SACCOs, and digital lenders to track borrower financial behaviour and generate a portable Trust Score (300–900) that outlives individual loans and becomes a financial reputation layer across partner lenders. We operate as Business-to-Business-to-Consumer (B2B2C): we plug into organisations that already serve large borrower bases and deliver a consumer-facing Trust Score experience through them — while giving lenders the credit intelligence they need at the point of origination.
M-KUWA’s ML-powered scoring engine analyses real financial behaviour across five dimensions to produce an explainable Trust Score at the point of loan origination.
M-KUWA generates revenue across five streams — combining B2B SaaS, data licensing, marketplace commissions, and compliance tools — while delivering clear value to both lenders and borrowers.
M-KUWA puts borrowers in control of their financial reputation. A high Trust Score unlocks real benefits — better rates, larger limits, and exclusive marketplace discounts — all visible and improvable through the mobile app.
Tell us your use case (finance, housing, employment screening, marketplace risk). We’ll show you the Trust Score output (including confidence and top drivers) and how it fits into your workflow.