Behavioural credit intelligence for South African lenders
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 →The opportunity
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.
Sources: TransUnion SA credit-invisible estimates; WEF alternative-data scoring deployment, South Africa, 2025.
What we solve
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.
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.
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
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.
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.
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.
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.
Reg 23A affordability calculation on statement-derived income. Gross income, statutory deductions, living expenses, debt obligations, disposable income, and maximum instalment — audit-stamped.
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.
Full API reference, score methodology, and sample outputs on the developer portal.
See it run
Two-minute walkthrough: statement uploaded, decision pack delivered. Extraction, scoring, and checks on a real file.
Where we sit
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.
"You keep the glory. We take the risk out of the yes."
Who it's for
Student, tuition and device funding — young, thin-file, purpose-rich borrowers who repay when it matters.
Inclusion-led credit and coaching that puts the customer's needs first.
Confident, compliant approvals for the underserved — at scale, without the guesswork.
Point-of-sale credit for the goods that change people's lives.
Why it stands up
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
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.
Free credits for your first PoC. Book a demo and we'll set you up.
Per thin-file applicant — and unlike the bureau, you get a usable answer.
One confident yes at a time.