We aim to assess credit risk with more precision, transparency and personalization than traditional models, to broaden access to credit.
Accuracy in default prediction
Variables analyzed per assessment
Credit decision time
Potential delinquency
Current credit systems exclude millions of people and operate with outdated data
Traditional bureaus operate with fragmented, outdated information that's inaccessible to millions of people.
Young people, informal workers and the unbanked are left out of the traditional credit system.
Credit decisions that take days or weeks instead of seconds.
False positives and negatives that affect both institutions and applicants.
An ecosystem of specialized agents that evaluate behavior, income flow and transactional patterns with a decision engine that combines models and business rules
Fraud Detection
Identifies fraud patterns in real time.
Risk Assessment
Predicts default probability by analyzing multiple behavioral variables.
Income Verification
Validates real income through transactional pattern analysis.
Behavioral Analysis
Evaluates payment history and long-term financial behavior.
Machine Learning + Business Logic + Regulatory Compliance
Behavioral data
Real-time processing
Score + Recommendation
What it could bring to financial institutions and their customers
We assess real ability to pay, not just traditional credit history.
Models tailored by sector, institution and target customer profile.
AML, KYC, CCPA and local regulations natively incorporated.
From days to seconds: agile response for credit origination.
Could help reduce delinquency and increase valid approvals.
Explainable AI with full audit trail for every credit decision.
A new era in credit assessment
| Feature | Traditional Bureau | Nadakki AI |
|---|---|---|
| Data Sources | Limited credit history | Multiple behavioral variables |
| Population Coverage | Banked only | Includes informal and unbanked |
| Decision Time | Hours or days | Seconds |
| Prediction Accuracy | Limited | High |
| Fraud Detection | Reactive, post-event | Predictive, real time |
| Personalization | Generic models | Adaptive AI per institution |
| Regulatory Compliance | Manual, costly | Automated and integrated |
| Explainability | Black box | Explainable, auditable AI |
All regulations natively incorporated
Discover how you could improve your credit assessment process
Agile implementation • No commitment • Personalized demo