M-Pesa to BVN, every borrower file in seconds.
Live with enterprise banks, microfinance institutions, and fintechs across Nigeria, Kenya, and South Africa. Mobile-money-first lending, regional government IDs, layouts US models can't read.
Both banks and fintechs hit the same wall.
Banks choke on manual document review. Fintechs lack the intelligence to underwrite past credit scores. Both sides leave good borrowers in the queue.
Mobile money skipped past banks
M-Pesa, MTN MoMo, Vodacom. Real revenue, no bank statement. Borrower paperwork didn't catch up.
Informal records dominate
Market traders, farmers, micro-business owners. Cooperative ledgers, harvest records, trade licenses, not audited financials.
Bureau coverage is patchy
TransUnion and Experian cover formal employment. The borrowers lenders care most about are missing.
KYC is document-heavy
FICA in SA, Huduma in KE, Ghana Card. Each country runs its own ID stack. Templates fail across borders.
Three lender archetypes, calibrated to Africa.
SME and trade-finance lenders
Cooperative records, supplier invoices, trade licenses. Cash flow built from M-Pesa and bank statements together.
Mobile-money-native consumer lenders
Underwrite from M-Pesa, MTN MoMo, and Airtel Money records. Real-time fraud signals at high volume.
Banks and microfinance institutions
FICA-compliant document review. Calibrated to South African and Kenyan formats. Engagement letters on request.
Documents we read fluently — and the long tail we can extend.
No templates required. Our models reason through any document format visually — even handwritten, poorly scanned, or rotated.
Mobile money
M-Pesa, MTN MoMo, Airtel Money, Vodacom M-Pesa, Tigo Pesa
Bank statements
Standard Bank, FNB, Absa (SA); Equity, KCB, Co-op (KE); GTBank, Access, Zenith (NG)
Tax & government
KRA PIN (KE), TIN (NG), SARS (SA), GRA (GH)
Credit profiles
TransUnion & Experian (SA), Metropol & Creditinfo (KE), CRC & CreditRegistry (NG)
National IDs
Huduma & national ID (KE), NIN & voter card (NG), Ghana Card, SA smart ID
Business & trade
Business registration, cooperative certificates, trade licenses, informal ledgers
Agricultural
Harvest records, land titles, cooperative membership, warehouse receipts
Bring an unlisted format. Capture handles it on day one.
Forward-deployed engineering for region-specific edge cases.
Calibrated to your security review.
POPIA-aware data handling in South Africa. Engagement letters for ISO 27001 and SOC 2 Type II available on request via support@usekita.com.