Akiba

Akiba is a risk decisioning engine for financial institutions, fintechs, and lending platforms in Africa that need faster, more consistent credit and onboarding decisions.

Key capabilities include:

• Customer verification APIs (KYC/KYB): Automated checks for identity number, business registration, bank account, and phone number, plus support for biometric facial and fingerprint verification.
• Risk analysis and affordability: Aggregates bank transaction history feeds or analyses bank statements to produce affordability, liquidity, and risk assessments, supported by financial analysis and health forecasts.
• Fraud intelligence and compliance screening: Runs AML/PEP checks, sanctions and default listings screening, and flags suspicious behaviour, document tampering, and information mismatches.
• Origination widget and unified customer profile: Consolidates data from multiple sources into a single digital customer profile and provides an origination flow designed to reduce onboarding friction.

Available via Web and API (with published API documentation).

Target users include high-volume lenders, banks, credit providers, and B2B fintech teams that need a unified view of verification, cashflow-based risk, and fraud signals during origination.

Notable in the African context, the platform is operational in South Africa with stated plans to expand to Zambia, Rwanda, and Kenya, and it was recognized in the G20 TechSprint 2025 for trust and integrity in scalable and open finance.