ABX Lending
Credit decisioning for thin-file borrowers using alternative data signals
Built for banks that need to move fast, without breaking trust.
An AI-first digital lending suite that underwrites thin-file and no-file borrowers using alternative data, transactional behaviour, wallet flows, agent activity, and device signals, and originates loans in minutes.
What you get on day one.
Alternative-data underwriting
Score customers with no traditional bureau footprint using explainable ML models.
End-to-end origination
From application to disbursement to collection, on one configurable rail.
Regulator-ready
Model governance, bias monitoring and full decision lineage built in.
Screens & signals from ABX Lending.
A glimpse of the interfaces, data and workflows shipped as part of ABX Lending on the ABX platform.
Africa One Score
A single 300–850 credit signal fusing wallet, agent, telco and device data, live in the borrower's hand.
Tiered KYC unlocks limits
Tier 1 ZMW 20k → Tier 2 ZMW 500k. NRC + selfie liveness lifts eligibility in-app, no branch visit.
ABX AI Insights, always-on
Action-for-today, well-done and smart-nudge cards coach every borrower toward on-time repayment.
Welcome, Sendhil! Update KYC to unlock higher limits.
Loan approved, InstaPula 30 · MWK 5,200 active.
Pay 3 days early → +18 points on Africa One Score.
InstaPula micro-loans
MWK / ZMW / KES micro-loans disbursed in seconds, 30-day tenor, digital-only underwriting.
Signals used
Wallet, agent, airtime and device signals for thin-file scoring.
Portfolio health
PAR, roll-rates and model drift, one governed view for the bank's risk team.
Ready to deploy ABX Lending?
Talk to our team about how ABX Lending fits into your digital banking stack , configured from the ABX wizard, live in weeks.
