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KamoaLite

The KamoaLite module builds upon the Extract & Authenticate module by not only extracting and validating financial statement data but also providing a risk score and credit limit based on the analyzed data. This empowers underwriters and credit decision-makers to quickly assess creditworthiness and make informed decisions.

Key Features​

  • All Extract & Authenticate Features:
    Includes header and transaction extraction, statement authenticity validation, and structured output.

  • Risk Scoring:
    Calculates a risk score from the financial data to quantify the credit risk associated with the customer.

  • Credit Limit Recommendation:
    Provides an estimated credit limit based on transaction history and risk assessment.

Benefits​

  • Speeds Up Credit Decisions:
    Enables underwriters to score and approve or decline credit applications within seconds.

  • Data-Driven Risk Assessment:
    Delivers objective risk scoring based on actual financial behavior, reducing subjective bias.

  • Improves Underwriting Efficiency:
    Automates scoring and limit setting, reducing manual workload and errors.

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​

  • Automating credit scoring during loan origination
  • Providing instant credit limit recommendations
  • Supporting underwriters in making faster, more accurate credit decisions

Integration​

The KamoaLite module can be accessed via:

  • API: For automated scoring and credit limit retrieval
  • Portal: Manual upload and scoring interface
  • SDK: Integration into custom applications for real-time scoring