Bundle 2

Bundle 2 is our most advanced and comprehensive product, designed to provide financial institutions with unparalleled, real-time insights into a client's financial behavior and creditworthiness. By leveraging both traditional credit data and rich alternative data sources, it delivers the most accurate and feature-rich scoring available, empowering smarter and safer lending decisions.

What's Included?

Bundle 2 is a powerful, integrated bundle that combines key features to give you a holistic and deep understanding of your clients:

• CIK Credit Report : Gain immediate access to verified credit history and obligations directly from CreditInfo Kenya.
• Boosted Score : Our proprietary AI-driven credit score, meticulously calculated using verified, current, and extensively enriched data for superior predictive precision.
• Cash Flow Feature Pack: Delivers detailed, intelligently parsed, and rigorously validated financial metrics derived directly from the client's bank or mobile money statements.
• Raw Transaction Data: Provides the complete, structured JSON data extracted and categorized from submitted bank or mobile money statement PDFs, offering transparent visibility into all financial activities.

How It Works

Bundle 2 core strength lies in its ability to directly process a client-submitted bank or mobile money statement in PDF format. This direct access to granular transaction history is crucial, allowing us to compute a highly precise and dynamic Boosted Score, significantly surpassing the capabilities of products that rely on less detailed or indirect data. It uses our large database of users profile history

Input Requirements

To generate a comprehensive report for a client, the following information is required:

Field	Type	Description
National ID	String	Government-issued identification number (e.g., Passport, ID Card)
First Name	String	Client's legal first name
Last Name	String	Client's legal last name
Bank/Mpesa Statement	PDF File	Complete transaction history (either mobile money or bank statement)

info

Important Note: The more complete and recent the submitted financial statement, the higher the accuracy and reliability of the generated Boosted Score and overall Bundle 2 insights. We recommend a statement covering at least 6-12 months for optimal results.

Key Output and Insights

The Bundle 2 delivers a wealth of actionable data, organized into intuitive sections, enabling financial institutions to make smarter, more confident lending decisions and effectively mitigate risk.

1. Summary

A concise overview providing critical top-level assessments and recommendations.

• Recommended Credit Limit: A data-driven suggestion for a low-risk credit limit (e.g., $2,825 from the sample data), guiding your immediate lending decisions.
• Confidence Level: An indicator of the reliability of the generated data and scores, based on the completeness of the input (e.g., 100% confidence indicates robust data).
• Risk Summary (Short Term): Identifies the overall risk band for the client (e.g., C), estimates the likelihood of default (e.g., 15% default risk), and provides a clear recommended decision (e.g., Decline).
• Customer Profile: High-level details including the depth of user information processed (e.g., "Good") and the full statement period covered (e.g., "12 months").
• Key Insights: Highlights crucial behavioral patterns detected from transaction analysis, such as "No Savings," "Business activity," or "Betting" presence.

2. Customer Profile

Provides essential identifying and behavioral information about the user.

• Personal Info: Basic identification details derived from the statement and behavioral indicators:
  • Full Name: The user's complete legal name
  • Phone Number: The phone number associated with the statement
  • Receives Salary: Indicates if a regular salary income pattern is detected.
  • Has Till Account: Identifies if the user operates a business with a till account.
  • Has Pochi Wallet: Indicates usage of a business wallet like Pochi.
  • Has Bank Account: Confirms the presence of a working bank account linked to income.
  • Main Bank: The most frequently used bank for income and transactions (e.g., kcb).
  • Earning Profile: Categorizes the detected income type (e.g., salaried, formal, informal).
  • Likely Driver: A behavioral tag indicating frequent fuel expenditures, possibly suggesting a driving profession.

3. Data Completeness

Evaluates the comprehensiveness and quality of the user's submitted financial statement.

• Statement Period: Clearly states the duration covered by the financial statement
• Completeness: A visual indicator and textual summary of how many months within the statement period were fully covered.
• Months in Statement: The total number of months represented in the statement
• Total Transactions: The overall count of transactions processed from the statement
• Active Transaction Days: The number of unique days within the statement period with at least one recorded transaction.

4. Cash Flow Health

Detailed metrics describing income patterns, balance stability, and potential debt burden.

• Inflows from Cash & Outflows to Cash: Proportions of financial movements originating from or directed towards physical cash transactions (e.g., 4.2% inflow, 3.3% outflow).
• Observed Monthly Income: The median monthly income calculated directly from inflow transactions.
• Estimated Monthly Income: An estimated monthly income based on the identified earning profile .
• Average Daily Income: The average daily income derived from all observed inflows.
• Debt to Income Ratio: The ratio of all loan disbursements to the estimated monthly income, indicating repayment capacity
• Monthly Income Evolution: A visual representation (e.g., bar chart) showing how the client's monthly income has varied over the statement period.
• Evolution of Cashflow: A visual representation (e.g., grouped bar chart) depicting monthly inflows and outflows, allowing for quick assessment of financial surpluses or deficits.
• Snapshot Date: The date of the most recent financial activity analyzed.
• Average Daily Balance: The average end-of-day cash balance over the statement period.
• Days With Low Balance: The count of days where the end-of-day balance was below a predefined "low" threshold.

5. Borrowing Character

Comprehensive insights into the user’s loan repayment habits, overdraft usage, and current loan status.

• Overdraft Usage: A summary of all overdraft events, total amount, average per event, and the highest single overdraft (e.g., 930 Events, KES 108,481 Total amount).
• Overdraft Repayments: Details on the number of overdraft repayment events and the total amount repaid (e.g., 259 Repayment Events, KES 110,044 Total Repaid).
• Overdraft Repayment Rate: The percentage of the total overdraft amount that was successfully repaid (e.g., 101%).
• Highest Loan Repaid: Identifies the largest loan amount successfully repaid by the client (e.g., KES 100).
• Loan Repayment Rate: The overall percentage of disbursed loan amounts that have been successfully repaid.
• Repayments Summary per Lender: A table detailing the number of repayment events and total repaid amount for each detected lender (e.g., watu credit: 1 repayment event, KES 100 repaid).
• Loan History (Disbursements): A summary of borrowing activity from each detected lender, including disbursements and repayments (e.g., watu credit: 0 disbursements, KES 0 total disbursed, KES 100 total repaid).
• Open Loans: Identifies any loan disbursements for which no observed repayments have been recorded, highlighting potential outstanding debts.

6. Recommendations

Actionable behavioral scores and income-based loan recommendations derived from the comprehensive analysis.

• Short Term Score: A credit score specifically calculated based on the client's short-term mobile money loan activities (e.g., 350).
• Business Score: A specialized score derived from the client's business wallet or till loan activity (e.g., 340).
• Generic Score: A robust composite score that integrates various factors including income frequency, savings behavior, betting presence, overall cash flow health, and observed loan behavior (e.g., 962).
• Affordability for Short Term Loan: The maximum affordable short-term loan limit suggested based on the client's income and cash flow (e.g., KES 2,825).
• Affordability for Business Loan: The maximum affordable business loan limit, also based on income analysis

Ideal For

The Bundle 2 is specifically engineered and highly recommended for:

• Financial institutions that incorporate the collection and analysis of bank or mobile money statements as part of their client onboarding or loan application processes.
• Microfinance institutions (MFIs) seeking profound financial insights for making more informed and secure lending decisions to individuals and small businesses.
• Neobanks and digital lenders that operate with modern, cash flow-based lending models and require highly accurate, dynamic client assessments to scale their operations responsibly.

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By integrating Bundle 2, you unlock an unparalleled level of detail and accuracy in understanding your clients' financial standing, enabling you to make smarter, more confident lending decisions, mitigate risks, and foster sustainable growth.