Extend existing credit scoring service into a self-service platform. Custom scorecard builder, bureau integration, simulation with AI analysis, real-time API.
- ObjScorecard — custom scorecard engine
- ObjDecisionSwitch — decision tree execution
- Simulation engine with AI review (local Ollama)
- Email reports with decision analysis
- Client acquisition pipeline
- Scorecard builder UI (web-based)
- Bureau API integrations (XDS, TransUnion, Experian SA)
- Client self-service portal (Go forms)
- API documentation + developer portal
- Usage metering per API call
- Per-API-call: R0.50 - R5.00 (depending on bureau costs)
- Monthly platform fee: R5,000 - R25,000
- Scorecard development: R50,000 - R200,000 per model
All scoring AI runs on local Ollama — client PII never leaves their network. POPIA compliant by architecture. Simulation email with AI-generated analysis is unique in the SA market.
Micro-lenders, fintechs, retailers with credit, debt buyers