Request access
For Nigerian lending institutions

Stop reviewing bank statements by hand.
Let Bankable do it.

Built for the lenders doing the hard work without the right tools. Get a structured behavioural risk profile from 6 months of real bank transaction data, in seconds.

Request access View sample profile
Borrower profile
Applicant — Lagos
Bankable
78
Verified monthly income
₦185,000
High integrity · all accounts included
Income regularity
17/20
Savings rate
14/20
Spending stability
15/20
Debt signal
12/20
Emergency buffer
10/20
Sample profile · illustrative
The problem we solve

Most Nigerian lending institutions still
review statements by hand.

Microfinance banks, employer loan schemes, and cooperatives collectively process billions of naira in loans every month, with no automated underwriting. Bankable changes that.

The problem today
×Credit officers print and review 6-month statements by hand
×No standardised scoring model. Every reviewer uses their own judgement.
×Fraud risk from manipulated or forged statements
×Loan decisions take days, sometimes weeks
×No way to track whether a borrower's financial health is improving over time
The Bankable solution
✓Behavioural score built from 6 months of verified transaction data
✓Instant structured risk profile. No manual review needed.
✓Five-component model: income, savings, spending, debt, emergency buffer
✓Tamper-aware integrity signal detects account manipulation
✓Available in seconds, shared directly by the borrower
How it works

Three steps. Zero manual work.

From the moment a borrower connects their bank, you have a complete behavioural profile in under a minute.

1
Borrower connects their bank
The borrower securely links their account through a regulated Open Banking connection. Read-only access. No credentials shared. They control exactly what is shared with you.
Powered by regulated Open Banking APIs
2
Bankable analyses 6 months of behaviour
Our scoring engine processes income regularity, savings discipline, spending patterns, debt load, and emergency buffer. Automatically. Consistently. Without a credit officer ever touching a printed statement.
No manual statement review required
3
You receive a structured risk profile
The borrower shares a secure profile link with you. You see their score, risk band, signal breakdown, and integrity flag. Final credit decisions always rest with your institution.
User-consented · revocable at any time
What you get

Everything you need to make a
confident decision.

A complete behavioural picture of the borrower, structured the same way every time, so your team can compare profiles like-for-like.

Risk signal
Clear Strong, Bankable, Improving, or At Risk band derived from the full behavioural profile.
StrongBankableAt Risk
Behavioural insights
Five scored components: income regularity, savings rate, spending stability, debt signal, emergency buffer.
IncomeSavingsDebt
Integrity layer
Tamper-aware signal detects recently removed accounts and manipulation. Trust the profile reflects real behaviour.
HighMediumLow
Score trajectory
See whether a borrower's financial health is improving, stable, or declining, and by how much over time.
ImprovingStableDeclining
Verified income
Average monthly income calculated from actual credits to the account, not self-reported figures that can be exaggerated.
VerifiedTransaction-based
Betting flag
Automatic detection of consistent betting behaviour, surfaced separately from the overall score for your review.
Auto-detectedRisk flag
Sample profile

This is what you see before
making a decision.

Every profile is structured, consistent, and generated from real transaction data, not self-reported information.

Financial Health Score
78/ 100
Verified monthly income₦185,000
Bankable ✓ High integrity Trajectory: improving
Score breakdown
Income regularity
17/20
Savings rate
14/20
Spending stability
15/20
Debt signal
12/20
Emergency buffer
10/20
Profile summary
Overall trajectoryImproving
Recent trend+4 pts (3 mo)
Betting activityNone detected
Savings platforms2 detected
Score snapshots4 recorded
IntegrityHigh
Sample profile. Illustrative data only. Real profiles are generated from 6 months of verified bank transaction data with explicit user consent.
80M+

Nigerians with bank accounts but no formal credit history

60s

Time to generate a complete financial health profile

₦0

Cost to preview a borrower's score band and risk signal

Pricing

Pay only for profiles
you actually evaluate.

No subscription required to get started. View a free preview, unlock the full profile when you are ready to decide.

Always free
Free preview
₦0

See enough to know if it is worth proceeding, before you pay anything.

  • Score band (Strong / Bankable / Improving / At Risk)
  • Lender risk signal
  • Approximate income range
  • Integrity indicator
Most popular
Full profile
₦500per profile

One-time access per borrower. Pay once, view anytime while the link is active.

  • Everything in free preview
  • Full five-component score breakdown
  • Exact verified income figure
  • Score trajectory and trend
  • Betting activity detection
  • Complete profile summary
Coming soon
Pre-qualified pool
Subscription

Access a pool of pre-qualified borrowers who opt in to lender visibility.

  • Browse Bankable-scored users
  • Filter by score band and income range
  • Unlimited full profile views
  • Monthly subscription model
Who this is for

Built for Nigerian
lending institutions.

01
Employer lending schemes
HR and finance teams running salary advance programmes. Replace gut-feel decisions with a structured score from real bank data.
02
Microfinance banks
Nigeria has 900+ licensed MFBs. Most still review statements manually. Bankable gives your credit officers a consistent profile in seconds.
03
Cooperative societies
Workplace cooperatives and SACCOs deciding by committee. Give your committee a data-backed profile instead of member testimony alone.
Security & compliance

Built on consent.
Designed for trust.

Every profile you see is one a borrower has explicitly chosen to share with you. Lenders never see raw transactions, only the structured score.

User-consented sharing
Borrowers explicitly consent before connecting their bank. No data is shared without their knowledge and direct action.
No raw transaction exposure
Lenders never see individual transactions or account details. Only the structured score and behavioural insights are shared.
Tamper-aware profiles
Our integrity signal detects account manipulation attempts, giving you confidence the profile reflects real behaviour.
NDPA compliant
Bankable operates under the Nigeria Data Protection Act 2023. All processing is lawful, transparent, and purpose-limited.
Regulated Open Banking
Bank data is accessed via CBN-licensed Open Banking API providers. No login credentials or passwords are ever collected.
Borrower controls access
Share links can be revoked by the borrower at any time. You only see what they choose to share with you.
Get started

Request access.

Tell us about your institution and we will be in touch within 24 hours.

Let's talk.

Fill in the form below and we will reach out to discuss how Bankable fits into your underwriting process.

No spam. We will reach out within 24 hours.
Request received.

We will be in touch within 24 hours at the email you provided.