Vida AI

Vida AI is an AI-powered credit decisioning platform for African banks, lenders, merchants, and institutions that need faster eligibility checks, identity verification, and repayment collection for lending and Buy Now, Pay Later (BNPL).

Key capabilities include:

• Instant credit decisions using bank statement analysis and alternative data to generate credit profiles and eligibility assessments.
• Identity verification and fraud prevention, including KYC and KYB checks that cross-check customer details across multiple data sources.
• Repayment collection channels that support payroll deductions and direct debit mandates, plus the ability to request additional payment methods.
• Operational tooling for teams, such as custom credit profile validation links for walk-in onboarding, downloadable/printable bank statements and credit profiles, team access for field agents and members, comprehensive audit logs, and an for decision support.