Behavioural credit intelligence for South African lenders

Lend to the people the bureau can't see.

Don't let thin files be the reason millions of creditworthy South Africans get a reflexive "no" — not because they can't repay, but because the credit bureau has nothing on them. AffyScore gives you the confidence to say yes.

Book a demo  →
Input
Bank Statements
FNB Capitec ABSA Standard Bank Nedbank Discovery
Engine
AffyScore
Bank statement extraction, behavioural analysis, and affordability assessment
Statement parsing Behavioural signals Reg 23A affordability
Output
Decision Pack
738 / 850 GOOD
Verdict: Clear to proceed
Affordability: R900 max instalment
Best debit day: the 26th
4 reason codes in plain English

The opportunity

They're not risky. They're invisible.

The traditional credit bureau is a rear-view mirror. It can only judge people who have already borrowed — so every lender competes for the same thin slice of already-scored customers and turns away everyone else.

But most "thin file" people have jobs, homes and a long history of meeting their obligations. They simply never left a trail the bureau can read. The "no" isn't a risk decision. It's a blind spot — and a market everyone else is leaving on the table.

The first lender to confidently say yes doesn't just win a customer. They win a customer who remembers being seen.

The bureau tells you who they were. We tell you who they can be.

26%
of SA adults can't access credit — they've never built a bureau record
±8m
more people could be accurately scored with the right data
+29%
credit-revenue uplift projected for a single bank piloting this segment

Sources: TransUnion SA credit-invisible estimates; WEF alternative-data scoring deployment, South Africa, 2025.

What we solve

Three jobs. One confident, compliant decision.

See the invisible

Assess real affordability for thin- and no-file applicants using signals that reach far beyond the bureau — so you can score the people others can't.

Match with purpose

Recommend the product each customer can afford and is most likely to repay. When credit has a purpose — a child's device, a year of study — repayment follows.

Say yes, safely

Build the affordability evidence that keeps every approval compliant and clear of reckless-lending risk — so growth never comes at the cost of exposure.

What you get back

One statement in. A complete decision pack out.

Every assessment returns six modules. Each one traceable back to the statement. Together they give you a decision you can stand behind — and explain to your credit committee, your auditors, or the NCR.

1

Verdict

A single outcome recommendation — Clear, Review, or Decline — with a driving reason code in plain English. The answer your underwriter needs before they dig deeper.

2

Eligibility Checks

🔎

Six automated checks — available cash, debt review flags, gambling share, lender stacking, income sources, and behavioural red flags. Each returns Clear, Review, or flagged for human attention.

3

Behavioural Score

738 / 850
GOOD
Income
92
Cash buffer
86
Discipline
60
Red flags
77
4

Income & Corroboration

📊

Accessible income derived from the statement and cross-checked against declared income. Salary recurrence, income sources, confidence rating, and variance flagged — so you know what's real.

5

Affordability

⚖️

Reg 23A affordability calculation on statement-derived income. Gross income, statutory deductions, living expenses, debt obligations, disposable income, and maximum instalment — audit-stamped.

6

Cash Through the Month

📅

Day-by-day balance profile showing salary-in peaks, spend decay, and the best debit-order collection date. Collectability score and predictability rating for safer scheduling.

Want the technical detail?

Full API reference, score methodology, and sample outputs on the developer portal.

6 SA banks parsed API + Portal JSON · CSV · PDF · Excel
See the technical detail  →

See it run

Watch it work.

Two-minute walkthrough: statement uploaded, decision pack delivered. Extraction, scoring, and checks on a real file.

Demo video — coming soon

Where we sit

You're the hero. We're the engine.

AffyScore is infrastructure, not a competing brand. We power the decision behind the scenes; you own the relationship, make the offer, and get the credit.

AffyScore
Affordability + product fit, behind the scenes
You
Make the offer. Own the relationship.
Your customer
Finally gets a confident yes

"You keep the glory. We take the risk out of the yes."

Who it's for

Built for lenders where credit has a purpose.

Education financiers

Student, tuition and device funding — young, thin-file, purpose-rich borrowers who repay when it matters.

Financial-wellness providers

Inclusion-led credit and coaching that puts the customer's needs first.

Micro-lenders

Confident, compliant approvals for the underserved — at scale, without the guesswork.

Retail & device finance

Point-of-sale credit for the goods that change people's lives.

Why it stands up

Built for a regulated South African lending book.

Transparent, tunable, and yours to integrate.

Explainable by design — every score carries plain-English reason codes, not a mystery number.

Auditable & versioned — outputs are reproducible and time-stamped for review and dispute defence.

Tuned to your rules — categories and flags adjust to how your team already assesses risk.

Bureau-neutral — complements your existing data sources, doesn't lock you into one.

Dashboard or API — review in the console, or wire it straight into your workflow.

Built for SA lenders — reads FNB, Capitec, Absa, Standard Bank, Nedbank, and Discovery statements, scanned or digital.

Pricing

Transparent pricing, per assessment.

Every assessment costs less than a single bureau enquiry. And unlike the bureau, it actually gives you an answer.

Prepaid bundles in Rands. No minimum contract. Top up credits as you go.

Starter
Up to 200 assessments / month
R35 per extraction

Full decision pack: statement parsing, transaction classification, Reg 23A affordability, behavioural score with reason codes, and outcome recommendation. Export to JSON, CSV, PDF, or Excel.
Growth
201–1,000 assessments / month
R20 per extraction

Everything in Starter, plus priority API support and batch processing.
Enterprise
1,000+ assessments / month
Custom

Volume pricing from R8–R14 per extraction. Dedicated support, SLA, custom integrations.

Free credits for your first PoC. Book a demo and we'll set you up.

What it costs, in context

Per thin-file applicant — and unlike the bureau, you get a usable answer.

Bureau enquiry~R3–R40 · often blank
AffyScorefrom R8
Credit report~R30–R80
Manual review~R50–R200+
Priced like two bureau enquiries — but it scores the segment the bureau can't, and returns a complete decision pack in under a minute.

Turn the credit-invisible into your customers.

One confident yes at a time.