Alternative Data for Zambian Lending Providers
Identify valuable customers among those with zero information in credit bureaus. 450+ data points through digital footprint analysis.
9%
of Zambians are visible to bureau scoring
RiskSeal's approach to credit scoring in Zambia
According to the World Bank’s Doing Business yearly profile, Zambia’s largest private credit bureau listed 804,709 individuals and 30,357 firms. Its total coverage was equivalent to only 9.1% of the country’s adult population.
RiskSeal covers 98% among underserved Moroccan applicants, creating an opportunity to assess applicants whose conventional credit histories are limited or unavailable.
RiskSeal – an alternative data platform for Zambian lenders
Credit bureaus lack information on over 20 million potential borrowers of the country. At the same time, more than 7.3 million people in Zambia are Internet users. Therefore, they have a digital footprint.
This is where RiskSeal comes in. By analyzing the borrower's email, phone number, IP address, full name, location, and photo, we search their digital footprint across 200+ online platforms.
RiskSeal equips Indian fintech companies with 450+ real-time insights about each applicant and provides a ready-to-use digital credit score.
Airtel Money
MTN MoMo
Zamtel Money
Mukuru
Uplift credit bureau data or use RiskSeal proprietary scoring model
Key benefits of credit scoring powered by alternative data
Spot creditworthy applicants
Identify solvent customers relying on 450+ real-time signals we deliver.
Detect potential defaulters early
Find suspicious signs that traditional digital credit solutions often miss and flag future defaulters.
Reach unbanked customers
Let RiskSeal be the bridge between your company and underserved populations.
Casos de éxito de clientes
See how RiskSeal’s unique data sources generate pure Gini uplift, even in emerging markets. Real numbers. Real before/after performance.
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FAQ
What are the Zambian regional platforms used by RiskSeal for digital footprint analysis?
RiskSeal analyzes applicants’ digital footprints in real time across more than 200 online platforms and social media services.
In Zambia, its coverage includes popular services such as Airtel Money, MTN MoMo, Zamtel Money, Mukuru, and Paybills, along with more than 15 additional locally relevant platforms. These sources span mobile money, telecommunications, remittances, bill payments, and other digital services.
RiskSeal regularly reviews and expands its list of Zambia-specific data sources, helping lenders gain a more comprehensive view of applicants and make better-informed credit risk decisions.
What is the price of your services for Zambian lending providers?
RiskSeal offers three pricing packages for Zambian lending providers:
Pilot Program. Designed for fintech startups, pilot projects, and lenders new to alternative data. Pricing starts at $499 per month with a fixed monthly commitment and limited transaction volume. The package includes API integration, basic onboarding and support, and monthly usage reporting.
Enrichment. Intended for banks, digital lenders, and institutions with existing credit models. This package uses usage-based pricing, with clients paying per enriched applicant report. It includes alternative data attributes, risk indicators, flexible integration options, and dedicated implementation and technical support.
Intelligence. Built for large digital lenders, banks launching new digital products, and enterprises transforming their underwriting systems. This package uses custom enterprise pricing and combines RiskSeal’s alternative data with its proprietary scoring model, continuous model optimization, custom decision strategies, and dedicated risk consulting.
RiskSeal also offers a free Proof of Concept (PoC), with no additional fees for integration, support, or training. For more information or to discuss the package best suited to your business, please visit our pricing page or contact our sales team.
What benefits does RiskSeal offer to fintech organizations in Zambia?
RiskSeal helps Zambian fintech companies make faster and more accurate credit decisions using global and locally relevant alternative data.
Fast API integration. RiskSeal can be integrated into an existing lending workflow in as little as eight hours, without requiring an embedded SDK or additional software on the applicant’s device.
Results in under five seconds. The API analyzes each applicant’s digital footprint and returns a comprehensive credit risk score with detailed insights in under five seconds.
Proprietary credit scoring. RiskSeal combines hundreds of real-time alternative data signals with its proprietary scoring model to help lenders identify creditworthy applicants, detect higher-risk profiles, and assess customers with limited credit histories.
Strong standalone predictive performance. RiskSeal’s digital scoring remains predictive even without being combined with credit bureau information or other external data sources. This makes it particularly valuable for assessing thin-file and underserved applicants.
Locally relevant insights. RiskSeal supplements its global data coverage with signals from online services used in Zambia, strengthening the relevance of its risk assessments for the local lending market.
How can I verify that RiskSeal's data is effective for my business?
To verify the effectiveness of RiskSeal's data for your business, we recommend participating in the Proof of Concept (PoC) project.
After the PoC, we’ll be able to provide you with the historical transaction analysis and demonstrate how RiskSeal can enhance your existing scoring models.
This approach ensures that you can make an informed decision about integrating RiskSeal's solutions into your business framework.
