Redefining Credit Decisions in AfricaWith AI & Alternative Data
Empowering lenders and other institutions across Africa with cutting-edge credit intelligence and digital verification solutions.
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Empowering Africa's LeadingFinancial Institutions
Join 230+ banks, microfinance institutions, microfinance banks, and fintech companies transforming credit decisions and identity/business verification across the continent
Why Spinmobile
Comprehensive credit intelligence solutions designed to transform your lending decisions with cutting-edge technology and unmatched reliability.
Credit Decisioning
Understand the borrowing behavior as well as the affordability capacity of your borrower.
Credit Risk Analysis
Get the risk profile of your borrower, from insignificant risk to catastrophic risk.
Fraud Detection
Do not be a victim of financial fraud. Let us help you weed out the fraudsters.
Seamless Integration
Our clearly documented APIs ensure smooth and hassle-free integration.
Behaviour Analysis
Get a deep understanding of how your customer spends their money.
KYC Verification
Be 100% sure that people are who they say they are.
CRB Checks
Access to clients credit history, and CRB score.
Data Privacy
Compliant with the Data Protection Act and best security practices.
Skip Tracing
Get a picture of where to easily find your customer.
Build with Powerful APIs
Integrate credit intelligence into your applications with our developer-friendly API and comprehensive tooling.
// Assess credit from bank statement
POST /api/v1/assess
Headers: Authorization: Bearer YOUR_TOKEN
Body: statement: client_statement.pdf
Response:
{
"score": 750,
"affordability": "KES 45,000",
"classification": "Low Risk",
"key_ratios": {
"debt_to_income": "28%",
"savings_rate": "15%"
}
}Real-Time Processing
Get credit decisions in milliseconds with our high-performance infrastructure built for scale.
Rich Documentation
Interactive API references, tutorials, and guides to get you up and running quickly.
AI-Powered Models
Access cutting-edge machine learning models trained on credit data.
Transforming Financial ServicesAcross Every Sector
From traditional banks to innovative microfinance institutions, we provide tailored solutions for every type of financial institution
Microfinance Banks (MFBs)
Supporting microfinance institutions to serve the unbanked and underbanked with confidence
Trusted By
Commercial Banks
Empowering traditional banks with advanced credit decisioning and identity verification solutions
Trusted By
SACCOs
Enabling member-owned financial cooperatives to make informed lending decisions
Trusted By
Microfinance Institutions
Powering MFIs with real-time data and verification for responsible lending
Trusted By
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What Our Customers Say
Hear directly from our customers about how our credit intelligence platform has transformed their lending operations and customer experience.