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Kamoa360

The Kamoa360 module extends the KamoaLite functionality by providing deeper insights into the customer’s financial behavior. In addition to extraction, validation, risk scoring, and credit limit recommendations, Kamoa360 delivers detailed behavioral signals such as income volatility, lifestyle habits, and spending stability to create a comprehensive financial profile.

Key Features​

  • All KamoaLite Features:
    Includes transaction extraction, statement validation, risk scoring, and credit limit estimation.

  • Advanced Behavioral Signals:
    Provides granular insights including income volatility, spending patterns, lifestyle indicators, and financial stability metrics.

  • Comprehensive Customer Profiling:
    Enables a nuanced picture of the customer’s financial identity beyond traditional credit scores.

Benefits​

  • Improves Risk Assessment Accuracy:
    Captures in-depth financial behaviors that conventional models may miss, reducing default risk.

  • Supports Personalized Underwriting:
    Empowers lenders to tailor credit offers based on detailed behavioral insights.

  • Enables Better Inclusion:
    Provides credit access to customers with limited credit history by analyzing alternative financial behaviors.

Supported Input Formats​

  • PDF statements from M-Pesa
  • PDF statements from M-Pesa Till
  • PDF statements from the top 7 Kenyan Banks

Output Formats​

  • CSV (Comma-Separated Values)
  • JSON (JavaScript Object Notation)

Typical Use Cases​

  • Enhancing credit risk models with behavioral data
  • Enabling advanced underwriting decisions with detailed financial profiles
  • Supporting inclusive lending for underserved populations

Integration​

The Kamoa360 module can be accessed via:

  • API: For comprehensive scoring and behavioral analytics
  • Portal: Manual upload and detailed report generation
  • SDK: Embed detailed financial profiling into custom solutions