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A credit decisioning platform for African financial service providers that assesses real income and spending patterns to make faster, more accurate affordability checks.
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:
These capabilities support credit products including everyday digital loans, embedded credit (for example at the point of paying school fees), buy now pay later, , and 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.
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