tisini
tisini provides a mobile-money wallet that converts business payment behavior into a bankable intelligence layer, generating a transparent Business Health score from 0 to 90. The platform shows the same read to both business owners and investors, with anonymized conduct data for capital providers, enabling financing for SMEs without traditional credit files.
- Financial Technology
- Data & Analytics
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
The financing gap for African SMEs is fundamentally an information problem: capital cannot see businesses that lack collateral, audited accounts, or credit files. A business that reliably pays suppliers on time looks identical to one that does not, leaving an estimated annual SME credit gap in the hundreds of billions of dollars across Sub-Saharan Africa.
Solution
tisini provides a familiar mobile-money wallet that reads payment behavior and converts it into an intelligence layer, making payment conduct bankable. Every payment, contribution, and transaction through the wallet becomes a data point the business itself generates with consent, analyzed and scored without reliance on bureaus or paperwork. The platform produces a Business Health score from 0 to 90, explained to the owner in plain language, with three underlying reads: Trust, Growth Readiness, and Credit Readiness. Both the business and potential investors see the same read, with the owner coached toward improvement and investees anonymized on the capital side. tisini operates as a facilitator within the Data Protection Act, never holding money, lending, or filing bureau reports—licensed payment partners move funds and regulated institutions deploy capital.
Target Audience
Primary customers are small and medium-sized businesses across Sub-Saharan Africa that lack traditional credit files, along with institutional, diaspora, and retail capital providers seeking to underwrite observable SME payment behavior.
Features
- Business Health score (0–90) that acts as a headline SME view, explained in plain language with what changed and what to do next
- Three conduct reads: Trust (reliability as a counterparty), Growth Readiness (positioning for growth), and Credit Readiness (capacity to carry a facility)
- Familiar mobile-money wallet interface that captures payments, contributions, and transactions as raw behavioral data
- Transparent read generation that shows the same Business Health view to businesses and investors, with anonymization for the capital side
- Consent-based data usage under the Data Protection Act, with permission, not surveillance, as the operating principle
- Facilitator model that connects businesses, licensed payment partners, regulated institutions, and investors without holding funds or extending loans