CreditScore: Digitize & Automate Your Credit Process

Financial institutions face increasing pressure to balance speed, compliance, and risk management while delivering seamless customer experiences. CreditScore offers a powerful, flexible, and fully digitized banking scoring engine that accelerates credit approval and reduces risk exposure. By combining advanced AI technology with seamless core banking integration, CreditScore helps institutions to optimize client solvency and scoring performance across Africa and beyond, enabling faster and smarter credit decisions.

Key Features of CreditScore

CreditScore offers a comprehensive suite of tools designed to enhance credit decision-making and streamline banking operations. Its key features include:

1. Advanced AI-based CreditScore

CreditScore performs intelligent solvency analysis using a variety of data sources, including:

• KYC Data
  
• Transaction history
  
• Payment behaviors
  
• Internal & socio-economic data
  
• Risk centers such as BIC, BEAC, BCEAO
  

This approach ensures that financial institutions have a complete view of their customers’ creditworthiness (allowing them to make faster, more accurate decisions).

2. Complete Digitalization of the Credit Process

From the initial collection of data to the automatic generation of contracts, CreditScore fully digitizes all credit-related business steps. This ensures efficiency, transparency, and accuracy, reducing manual interventions and improving operational speed.

3. Dual Parameterization (Technical & Professional)

The platform allows extensive customization of scoring rules, APIs, integrations, workflows, business criteria, risk thresholds, validations, and contractual conditions. Adjustable statistical models provide real-time adaptation to changes in risk, while mobile and web versions ensure field agents can access and act on critical data from anywhere.

4. Digitized Validation Workflow

Field agent → Head of agency → Technical committee → Credit committee → Contract generation → Core Banking

This digitized workflow reduces delays, enhances accountability, and provides full traceability of decisions.

5. Core Banking Integration

CreditScore seamlessly connects to any core banking software via API, XML, or web services.

Compatibility includes Temenos, Sopra, Flexcube, Amplitude, Finacle, and more, ensuring smooth integration with existing banking infrastructure.

6. Compliance & Accessibility

CreditScore is fully aligned with EAA/WCAG accessibility standards, and documents are compatible with screen readers. The solution also adheres to banking security protocols (GDPR) and offers multilingual support, including right-to-left (RTL) languages.

Main Advantages & Benefits of CreditScore

CreditScore is designed to deliver measurable improvements in credit processing, risk management, and business growth.

1. Performance & Speed

Files are processed within 24 hours, significantly reducing the time required for manual analysis and accelerating credit decisions.

2. Risk Reduction

By providing a complete view of solvency through behavioral and alternative scoring, CreditScore helps reduce payment defaults and strengthens financial institutions’ risk management practices.

3. Business Acceleration

The digital, fluid, and modernized customer journey enables more applications to be accepted, enhances financial inclusion, and leverages alternative scoring methods to expand banking.

4. Strategic Steering

CreditScore delivers intuitive decision-making dashboards, automated regulatory reporting, and real-time credit portfolio management (giving banks and financial institutions stronger control and clearer strategic insights).

Why Choose CreditScore?

Financial institutions seeking a reliable, AI-driven credit scoring solution can benefit from CreditScore’s unique combination of features:

• Customizable AI engine adapted to local regulations, including COBAC, BCEAO, BEAC, BRB, and more
  
• Native integration with major core banking systems such as Temenos, Sopra, Flexcube, Amplitude, and Finacle
  
• Expertise-driven design, created with insights from African banking experts and aligned with operational realities
  
• Over 10 years of experience from Jiway, a trusted publisher of banking solutions in Europe and the Middle East
  
• Speed of implementation and simplified maintenance
  
• A unique combination of Africa + international banking expertise + AI + CBS integration
  

CreditScore not only enhances operational efficiency but also promotes responsible lending practices by providing a full digital audit trail, real-time risk monitoring, and automated regulatory compliance.

Transforming Credit Management for Financial Institutions

By implementing CreditScore, banks and financial institutions can modernize credit management with AI-driven scoring, digitized workflows, and seamless core banking integration. This enables faster approvals, smarter decisions, reduced default risk, and a more inclusive, customer-friendly banking experience, with applications processed in under 24 hours.

With real-time dashboards, automated regulatory reporting, and advanced analytics, CreditScore provides secure, compliant, and strategic credit portfolio management for institutions. Jiway’s flexible solution accelerates credit processes and delivers measurable efficiency gains. Book a free demo to see it in action.