About Project

AI Credit Scoring System

Smart Fusion built Safarifone an AI credit scoring platform that turns mobile money transaction behavior into a FICO-proxy credit score, giving the operator a dashboard, a searchable customer directory, and an AI-generated analysis behind every subscriber's report.

About Client

Safarifone

Safarifone wanted to extend credit decisions to subscribers with no traditional credit bureau history. Smart Fusion built an AI credit scoring system that derives a FICO-proxy score from each subscriber's mobile money transaction behavior, scoring subscribers into Poor, Fair, Good, Very Good, and Exceptional bands. The platform gives Safarifone a portfolio-wide dashboard, a searchable customer directory, and a downloadable per-subscriber report with an AI-generated analysis explaining exactly what drives each score.

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13,390 subscribers scored across a 6, 12, and 24-month view

Every subscriber, scored and searchable

A dedicated customer directory lets analysts filter and search across the full subscriber base, with each record broken down into the four components driving its score.

Full customer directory with 6, 12, and 24-month filtering and category search
Per-customer breakdown across Balance Management, Transaction Stability, Financial Capacity, and Account Activity
Credit score and Poor/Fair/Good/Very Good/Exceptional category shown per record
Paginated search across 13,000+ subscriber records

Credit scoring system customer directory

13,000+ subscribers searchable and filterable by score category

A full report behind every score

Each subscriber's report pairs a FICO-proxy gauge and classification breakdown with the four components behind their score, ready to download as a standalone document.

FICO-proxy gauge showing the subscriber's score against the five scoring bands
Classification donut chart placing the subscriber within Poor through Exceptional
Transaction Stability, Account Activity, Financial Capacity, and Balance Management scored individually
Downloadable report per subscriber

FICO-proxy score and component breakdown for a single subscriber

AI-generated analysis behind every report

Every report closes with a narrative analysis generated from the subscriber's underlying transaction data, translating raw scoring components into patterns, strengths, risks, and concrete next steps.

Key Patterns summarizing transaction frequency, balance swings, and spending behavior
Strengths and Risk Factors surfaced directly from account activity
Specific Insights explaining what is driving the subscriber's category
Actionable steps recommended to improve the score

Key patterns, strengths, risks, and next steps generated for every subscriber

The outcome

The credit scoring system is live at Safarifone, scoring 13,000+ subscribers today and giving Safarifone an alternative-data credit model with a downloadable report and AI-generated analysis behind every score.

Technology stack

Delivered through AI Systems Engineering.

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