AI Systems Engineering
An AI credit scoring system turning mobile money behavior into a FICO-proxy score for Safarifone
Client
Safarifone
Telecommunications
Smart Fusion built Safarifone an AI credit scoring system that derives a FICO-proxy score from each subscriber's mobile money transaction behavior, giving the operator a portfolio dashboard, a searchable customer directory, and a downloadable per-subscriber report with an AI-generated analysis behind every score.
Safarifone wanted to extend credit decisions to subscribers with no traditional credit bureau history, with no existing way to turn raw mobile money transaction data into a defensible, explainable credit score.
Smart Fusion delivered a scoring engine that classifies subscribers into Poor, Fair, Good, Very Good, and Exceptional bands from their transaction behavior, a portfolio-wide dashboard and searchable customer directory, and a downloadable per-subscriber report pairing a FICO-proxy gauge with an AI-generated analysis of patterns, strengths, and risk factors.
- FICO-proxy credit score derived from mobile money transaction behavior alone
- 13,000+ subscribers scored and searchable across a 6, 12, and 24-month view
- Downloadable per-subscriber report with a FICO-proxy gauge and classification breakdown
- AI-generated analysis surfacing key patterns, strengths, and risk factors behind every score
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