Kamoa provides a cloud‑based data platform that aggregates credit bureau and alternative data via unified APIs, enabling banks, telcos and fintech lenders in Africa to automate the full loan lifecycle with AI‑driven credit scoring and risk monitoring. The solution offers end‑to‑end loan orchestration, compliance‑ready data handling, and integration kits that reduce development effort and expand access to underserved borrowers.
Funding
Funding not disclosed
Founders
Product
Problem
Financial institutions in Africa often lack a unified, scalable data infrastructure that can combine traditional credit bureau information with alternative data sources such as mobile wallet and behavioural metrics. This fragmentation hampers accurate credit assessment, slows loan processing, and limits the ability to extend services to underserved populations.
Solution
Kamoa offers a regional data and technology platform that aggregates bureau and alternative data through standardized APIs. The platform enables banks, telcos, and fintech lenders to orchestrate the full loan lifecycle—from data ingestion and AI‑driven credit scoring to risk monitoring and revenue assurance. By providing a scalable, cloud‑based data layer, Kamoa allows institutions to expand their product reach while maintaining compliance and operational efficiency. The solution includes embedded finance tools that integrate directly with existing banking and telecom systems, facilitating faster decisioning and broader financial inclusion across Africa.
Target Audience
Primary customers are banks, telecommunications operators, and fintech lenders operating in African markets that need to enhance credit underwriting, automate loan workflows, and reach underserved borrowers.
Features
- Unified API marketplace delivering real‑time access to credit bureau and alternative data (mobile wallet, behavioural, telecom usage)
- AI‑powered credit scoring engine that leverages heterogeneous data sources for more accurate risk assessment
- End‑to‑end loan lifecycle orchestration, including application intake, underwriting, disbursement, and performance monitoring
- Risk‑management and revenue‑assurance modules designed for high‑volume, cross‑border operations
- Scalable regional data layer with built‑in compliance controls and data security
- Integration kits for banks, telcos, and fintech platforms to embed services with minimal development effort