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OminiScore
Credit scoring for thin-file users
Credit scoring from mobile-money behaviour alone - no bureau data needed. The West-African differentiator. 0–1000 TransUnion-Africa aligned score with sub-scores, income verification, and regulatory-compliant explanations.
Key Capabilities
0–1000 score from MoMo + USSD activity (no bureau required)
Sub-scores: payment history, utilization, account age, credit mix
Income verification: estimated monthly gross/net with confidence
Default probability at 12 months with recommended credit limit
Human-readable explanation[] (regulatory requirement)
Score validity window with auto-refresh
API Endpoints
api.ominihub.com
POST/v1/score/credit
GET/v1/score/credit/{scoreId}
POST/v1/score/income
GET/v1/score/credit/{scoreId}/explain