BankFuse is East Africa's most powerful digital lending platform — AI credit scoring, instant M-Pesa disbursement, mobile loan apps and BaaS APIs for fintechs, banks and digital lenders in Kenya, Uganda, Tanzania, Rwanda and South Sudan.
Score customers without formal credit history using M-Pesa/MoMo transaction data, airtime behaviour and telco signals. 72% more customers approved versus bureau-only scoring.
AI · Alternative DataFrom application to M-Pesa in under 60 seconds. BankFuse handles the entire flow — credit decision, approval, disbursement API call and reconciliation — automatically.
M-Pesa · InstantWhite-label iOS and Android loan app with digital KYC, loan application, repayment, statements and customer support chat. Launch under your brand, powered by BankFuse.
iOS · AndroidEmbed lending into any app or platform via REST APIs. Full sandbox, webhooks, SDKs for Python/Node/PHP. Go from API access to first disbursement in days, not months.
API · BaaS · SDKReach customers without smartphones via USSD short codes. Apply for loans, check limits, make repayments and receive disbursements via USSD on any feature phone.
USSD · Feature PhonesBuy Now Pay Later and embedded credit products for merchants, e-commerce platforms and employer payroll systems. Seamless POS financing with automated repayment.
BNPL · EmbeddedLaunch a regulated digital lending product in 8 weeks. BaaS APIs, eKYC, AI scoring and M-Pesa — everything you need without building from scratch.
Book Demo →Digitise your MFI's loan products. Mobile applications, AI scoring for rural borrowers and field officer offline apps for areas without connectivity.
Book Demo →Add instant digital loans to your SACCO. Members apply via USSD or mobile app and receive disbursement to M-Pesa — no branch visit required.
Book Demo →Add a digital lending channel to your bank. Compete with mobile-first lenders by launching AI-scored instant credit products at scale.
Book Demo →Book a free demo. We'll show you how to go from idea to live digital lending product in under 8 weeks.