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Credit check

Extension

Sell more phones on credit, with fewer losses.

A proven last-mile credit check for customers no bank can score, enhanced with AI. It runs offline at the point of sale, needs no credit bureau, and sets the deposit and term that keep each loan profitable.

Book a demoSee the modules

What you get

  • Structured interview

    33 questions plus 4 open ones on identity, income, expenses, habits, stability and behaviour, run by your agent at the counter. Fully offline.

  • A score that sets the terms

    A score out of 100 and a recommendation: approve or decline, deposit, maximum term and phone range, with the reasons behind it.

  • AI quality checks

    Flags rushed or guessed answers, stories that do not match the form, and agents whose applicants look suspiciously alike.

  • A model that learns

    From about 100 loans it learns from real repayments what each answer is worth, and is retrained every three to six months.

  • No outside data needed

    No credit bureau and no internet at the point of sale. Built on the questionnaire method tested in World Bank research.

  • Explainable decisions

    Every score shows its reasons, for staff, customers and regulators. AI moves a score by at most 15 points and never approves, declines or locks anyone on its own.

How it works

  1. 01

    Interview

    The agent runs the structured interview in the cellKi app, with or without network.

  2. 02

    Score

    The scorecard and the AI checks produce a score, a risk band and a recommended deposit and term.

  3. 03

    Decide

    Staff approve, adjust or decline with the reasons on screen; flagged interviews go to a second check first.

Works with

Pair it with the other modules

FAQ

Common questions

Does it need a credit bureau?

No. The score comes from the interview itself, so it works for customers with no credit history and in markets without bureaus. Bureau or mobile-money data can be added as extra signals where available.

Can the AI reject a customer?

No. AI only flags interviews for a second check and moves the score by up to 15 points, enough to change a risk band but never to override the questionnaire. Approving, declining and locking stay with your rules and your staff.

How does it work on day one?

At launch, expert weights score every applicant and the AI checks run from the first interview. After about 100 loans, a model trained on your own repayments takes over and is retrained every three to six months.

See a credit score built live.

Bring a real customer profile to the demo and we run the interview and the score in front of you.

Book a demo of Credit check