Lending you should have refused
This loss is visible. It sits in your accounts: non-performing loans, provisions, recovery costs.
non-performing loans across Senegalese banks
The intelligence behind every credit decision
Assess every application with precision, transparency and speed — including the borrowers your current models cannot see.
Built for financial institutions operating in the WAEMU.
You lose on both sides
The cause is not the quality of your borrowers. It is the ability to tell them apart.
Lending you should have approved
This loss is invisible. It appears in no ledger: small businesses with no banking history, traders, artisans, steady informal income.
financing gap for African small and medium businesses
And margin can no longer be defended on price
Since 1 June 2026, the usury rate ceiling has been lowered by one point across the eight WAEMU states. Risk that is poorly assessed can no longer be offset by pricing it higher. One lever remains: telling good risk from bad.
Two opposite losses, one shared cause: the inability to assess.
Intelligence layered onto what you already run
NEXCLARA replaces nothing. It reads the data your institution already holds, computes a risk, explains it, recommends terms, then watches for deterioration once credit is granted.
What NEXCLARA does
- Reads data from your existing systems, without asking you to replace a single one.
- Computes a substantiated risk and recommends terms: amount, duration, collateral.
- Explains every recommendation, factor by factor.
- Keeps a reconstructible record of the decision and its context.
- Monitors deterioration in credit already granted.
What NEXCLARA is not
- Not a lender: NEXCLARA grants no credit and carries no risk.
- Not a credit bureau: no database is built for our own account.
- Not the decision-maker: a recommendation never binds the institution, and the final decision stays human.
A score without an explanation is operationally worthless
The score and its explanation come out of the same computation. The explanation is not reconstructed afterwards, so it cannot drift from the decision it justifies.
Three levels of explanation, one single truth
01
For the analyst
Which factors pushed the score up and down, in which direction and by how much, in business language. Enough to argue the case in committee and know what to ask the client for.
02
For the applicant
The main grounds for the decision, phrased to be communicated, without disclosing the underlying mechanics or exposing your credit policy.
03
For the auditor and the regulator
The full file: inputs, policy, scorecard and model versions, computed contributions. Reproducible identically years later.
A NEXCLARA decision is always defensible.
Six modules make up the operational platform
Five further modules — alternative data, early warning, fraud detection, portfolio analytics and assistance — switch on afterwards, without service interruption.
CORE runs the five-stage decision chain, deterministically and reproducibly. It is the module that turns an application into a substantiated outcome: approve, review or refuse, with its terms.
CLARITY turns every decision into ranked factors. It is the module that carries the brand's name, and its promise: a NEXCLARA decision is always defensible.
LINK converts any heterogeneous source into a single pivot model, with quality control on entry — and returns the decision to your systems along the same path, in reverse.
DESK is the single interface for handling an application, from entry to decision — including where no technical integration exists.
TRUST traces consents, logs every decision and every access, and produces the reconstruction files an inspection asks for. Cross-cutting, present from day one.
ADMIN is the console through which your teams create credit products and change rules, scorecards and thresholds — with no code, and without asking us.
Your decisions travel back into your systems
A decision that never returns to the core banking system forces double entry. And double entry is what kills adoption. NEXCLARA is symmetrical: the same pivot model serves both directions.
Four ways to feed the platform
- Real-time call from your origination journey.
- Batch processing, for volume and for loading historical files.
- File drop on a secure channel, in an agreed format.
- Assisted entry, which requires no technical integration at all.
Four ways to return the decision
- Immediate response within the originating call.
- Outbound notification to an endpoint of your institution.
- Result file for a processed batch.
- Query interface, to retrieve a past decision and everything behind it.
No double entry: your teams do not change tools.
Your data stays yours
Four deployment modes, one codebase. You choose according to your security policy, not our technical constraints.
Shared
NEXCLARA infrastructure, certified European hosting, logical isolation verified continuously.
Dedicated
Instance and database reserved for your institution alone. Physical isolation, no longer merely logical.
On your premises
Your data centre or private cloud. Data never leaves your perimeter.
Hybrid
Processing on your side, technical supervision with no personal data at all.
If your policy requires that nothing leaves your premises, we deploy on your premises.
Three questions to put to your risk department
They need no tooling to be asked. The answers say a great deal.
- How many of our non-performing loans could have been identified at origination?
- How many sound applications do we refuse, simply because we cannot assess them?
- Can we justify each of our decisions to an examiner?
If any of those answers leaves you uneasy, the rest of this site is for you.