bsa.ai (Black Swan) builds credit infrastructure that helps financial service providers assess borrowers using real income data from mobile money, bank transactions, and merchant activity. The platform powers digital lending, asset financing, and credit decisioning across Africa, enabling lenders to serve people who lack traditional credit histories. Its product suite includes Tausi for credit intelligence, Manka for digital loans, and Kopa Gari for vehicle financing.
Funding
Funding not disclosed
Founders
Product
Problem
Millions of people and businesses across Africa earn, trade, and repay loans regularly yet remain invisible to traditional financial systems that rely on formal credit histories and collateral. This exclusion prevents them from accessing affordable credit, while lenders struggle to assess risk for borrowers with informal or irregular income streams.
Solution
bsa.ai provides a unified credit platform that helps financial service providers see real incomes—whether formal or informal—so more people can access credit they can afford. The platform integrates three core capabilities: decisioning and credit intelligence that analyzes how people earn, spend, and repay; affordability and open finance tools that let borrowers safely share financial activity across institutions with consent; and credit discovery and matching that connects people to appropriate lenders for needs like phones, vehicles, and equipment. By using real transaction data from mobile money, banks, and merchant records, the platform enables faster, more accurate credit decisions while expanding financial inclusion across the continent.
Target Audience
Primary customers are banks, microfinance institutions, fintechs, and merchants across Africa that need reliable credit decisioning tools to serve borrowers with informal or non-traditional income sources.
Features
- Decisioning engine that processes mobile money, bank, and merchant transaction data to generate credit-risk scores and affordability assessments
- Open finance API that allows borrowers to share financial activity across institutions with explicit consent
- Credit matching system that connects borrowers to suitable lenders for specific needs such as devices, vehicles, and agricultural equipment
- Product-specific solutions including Tausi (credit intelligence), Manka (digital lending), and Kopa Gari (vehicle financing)
- Cloud-based platform architecture designed for integration with banks, microfinance institutions, fintechs, and merchant networks