Better data for safer credit decisions.

Fumiwo enables lenders to mitigate credit risk and deliver loans confidently with advanced credit scoring solution.
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Better data for safer credit decisions.


Explore innovative credit scoring solutions that enable lenders deliver safer, faster and fairer credits.

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Power risk decisions with cashflow analytics.

We provide you with all insights you need to know about your applicants and the best loan offers that you can present.

What do you obtain

Save analysis time

Reduce your operational costs and unlock instant analytics about your customers' cashflows.

Secure your loans

Mitigate your credit risk with offers that fit with your customers repayment capacities.

Attract new customers

Offer wide range of loan offers to a new group of customers and increase their engagement.

How does it work

1. Data collection

From banks statement uploads, transactional data and mobile device metadata we collect borrower's information directly during loan application.

2. Behaviour Analysis

Access a comprehensive analysis of your customers' financial behavior to help you make the right decisions.

3. Loan offers

Our algorithm leverage all the data to determine applicants creditworthiness to specific loan amount and terms based on their risk profile.

4. Managing

We provide you with all insights you need to know about your applicants.

How does it work

1. Data collection

From banks statement uploads, transactional data and mobile device metadata we collect borrower's information directly during loan application.

2. Scoring

Our algorithm leverage all the data to determine applicants creditworthiness to specific loan amount and terms based on their risk profile.

3. Loans offer

We provide you with all insights you need to know about your applicants and the best loan offers that you can present.

4. Managing

Empower you business with key indicators, reporting and insights necessary to the management of your portfolio and reduce human repetitive tasks.
Focus on your core activity.

Boosting African entrepreneurship while reassuring lenders

Tailored for banks, neobanks, microfinance institutes and digital lenders our technological innovations aim to make financing more responsible and more abordable  in Africa.

They are by our sides !

Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small rivenamed Duden flows by their place and supplies it with the necessary regelialia.
Maimouna DIOUF
Étudiante de master, Dakar
Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia.
Craig Sams
Lead Developer, Flowbase
Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia.
Simon Lee
Lead Developer, Flowbase

They are by our side

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Contact us

Get in touch with us today to know more about our solutions. We're eager to collaborate and create mutually beneficial relationships with our customers. Contact us now to discuss how we can enable you deliver more loans safer.

Transform your data and unlock growth opportunities for your lending activity.

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