Black Swan

Black Swan is a web-based credit intelligence and open finance platform for African financial institutions and platforms that need to assess real incomes (formal or informal) to extend affordable credit.

Key capabilities include:

• Decisioning and credit intelligence (Tausi), which helps institutions understand how people earn, spend, and repay, so credit decisions can be faster and more accurate.
• Affordability and open finance (Manka), which enables borrowers to safely share financial activity across institutions with consent, allowing lenders to assess affordability using real income and spending data.
• Credit discovery and matching (Kopa Gari, also referenced as Mtaa wa Manka), which connects people to lenders for needs such as phones, vehicles, and equipment.

These capabilities support credit products including everyday digital loans, embedded credit (for example at the point of paying school fees), buy now pay later, device/vehicle/asset financing, and working capital for MSMEs linked to sales and cashflows.

Available on Web.

Built for B2B financial service providers across Africa, including lenders and platforms designing and scaling digital credit.

Notable for its focus on using spending patterns, cashflows, and financial activity to assess affordability for both formal and informal earners, with the company listed as based in Ebene Cybercity, Mauritius, and references to use by partners such as Selcom, K-Finance Limited, and Kimondo Financial Services.