Research notes
Notes from the work.
Methodology, field observations, and compliance writing. Short pieces, written by the team, on what we're finding as we build credit infrastructure for African lenders.
April 22, 2026
Methodology
Reading the wallet: why mobile money is the primary signal
On most of the continent, the formal bank account captures perhaps fifteen percent of an SMB's economic life. The other eighty-five percent is recorded in mobile money. Here is how we read it, and why we treat it as primary.
7 min read
March 14, 2026
Compliance
Explainability is not optional in regulated lending
An auditable trail per decision is what separates a model that can be deployed in a regulated bank from a model that cannot. This is not a nice-to-have feature.
5 min read
February 8, 2026
Field notes
What cooperative membership tells us about credit risk
Membership in a savings cooperative, a trader association, or a tontine is one of the strongest credit signals available on the continent — and is almost entirely absent from textbook scoring.
4 min read