We turn 6 months of transaction data into a financial health score that helps millions of Africans become bankable for the first time.
No spam. We will reach out when we launch.
Financial health spectrum
Why Bankable
Millions of Africans are creditworthy but cannot prove it. Bankable changes that by reading the financial story your bank data already tells.
Your data is encrypted end-to-end. We use Open Banking APIs so your credentials are never shared with us.
We analyse five behavioural signals (savings, spending, income, liquidity and resilience) for a holistic view.
Get personalised steps to improve your score and unlock the financial products you actually qualify for.
Move the sliders. Watch the score change. This is how the five signals add up to a single number.
A simplified preview of how the engine works. The real score uses 6 months of bank-verified transaction data.
The number that changes everything
Below 70, you are invisible to lenders. Above 70, you are Bankable: your financial behaviour speaks for you. Bankable shows you exactly where you are, and exactly what to do next.
How it works
Four simple steps from data to opportunity.
Securely link your Nigerian bank account via Open Banking. Your data never leaves your control.
Our engine analyses 6 months of transactions across five behavioural signals and produces a 0–100 financial health score.
Receive specific, personalised steps to improve your score and build a verifiable financial track record.
As your score improves, lenders can see your real financial behaviour, not just a blank credit file.
Nigerians with bank accounts but no credit history
Private credit as share of Nigeria's GDP, one of Africa's lowest
Estimated credit gap between what people need and what they receive
Loan Outlook
Your score shows how far you are from the Bankable threshold of 70. You see your income-anchored loan amount, which of the five signals to fix first, and which lenders you already match — before approaching anyone.
Your Score · How close to Bankable
Fix your Savings Rate first
Set aside 10% of income consistently for 3 months. This one change can close most of the 12-point gap to Bankable.
Once you hit 70, your loan amount is calculated at 2× your verified average monthly income — from your actual bank transactions, not a figure you filled in on a form.
Your dashboard always surfaces the single signal pulling your score down the most. Fix that one first. Rescore. Watch the gap to Bankable close.
Based on your score band, we show which lending partners you are most likely to qualify with. You apply knowing where you stand — not hoping for the best.
FAQ
Be among the first Africans to know their real financial health score.
No spam. We will reach out when we launch.