Alternative credit-scoring dataset

Name: Alternative credit-scoring dataset: structured transaction records parsed from M-Pesa, M-Pesa Till and local bank PDF statements, combined with app-usage, transaction-trend and informal-finance behavioural signals, delivered as cash-flow features and a 'Boosted Score' credit view co-produced with Creditinfo Kenya.
Creator: Kamoa

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Alternative credit-scoring dataset: structured transaction records parsed from M-Pesa, M-Pesa Till and local bank PDF statements, combined with app-usage, transaction-trend and informal-finance behavioural signals, delivered as cash-flow features and a 'Boosted Score' credit view co-produced with Creditinfo Kenya.

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Coverage

Universe, instruments and categories.

Industry: Financial Exchanges & DataApplication Software
Instruments: equitiesfixed_income
Categories

Dataset card

Type: not stated
Format: Tabular (structured transaction rows and derived cash-flow features served via API/SDK); source inputs are document images/PDFs, so an image+text multimodal raw layer also exists
Volume: ~1-10M parsed statement-months and derived cash-flow feature rows (inference: ~10+ institutional partners each originating thousands of mobile-money-backed loan applications per month, each application carrying a full M-Pesa statement history of hundreds of line items)
Users: ~10-50 lending institutions as direct licensees (inferred from 'trusted by top financial institutions' logo wall of ~10 bank/fintech marks plus enterprise-only distribution); consumer coverage is via their borrowers rather than Kamoa sign-ups
History: 4 years
Update frequency: not stated
Growth: Active — live enterprise suite with a current Creditinfo Kenya partnership product (Boosted Score) and bundled SKUs, indicating ongoing commercial rollout
Launched: ~2022-2023 (modern Framer-built site with no pre-2022 archive; company record created 2022; Creditinfo Kenya co-branded score appears as a later 2023-2024 addition)
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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