We Know a Lot About Small Beginnings.
As a company founded by Ghanaian entrepreneurs, we know well how difficult it is to start at anything. The
doubts, anxieties, uncertainties, and the hard work required to achieve any goal. As Ghana begins this new
chapter
in personalized credit scoring, we will need to collectively put our energies to work towards a secure
financial future for each of us.
Our mission is simple: to make credit accessible and responsible in Ghana.
A casual conversation among three entrepreneurs in 2021 about Ghana's digital transformation sparked this
compelling vision. Ghana is ready and ripe for a credit economy.
Yes. A credit economy in Ghana.
The foundations are all in place, a widely connected population thanks to the introduction of mobile
telephony in 1992, the Ghana Card in 2006, the Credit Reporting Act of 2007, the launch of the Ghana
Interbank Payment & Settlement System (GHIPSS) in 2008, the aggressive expansion of internet coverage from
2010, the launch of national addressing and mobile interoperability from 2017, the aggresive digitisation of
government services from 2020 and the growing usage of the Ghana Card from 2021.
These provide the perfect background to kickstart a nationwide personalized credit scoring system.