F CFA 30,000,000
10,000 credit files analysed per year, included
The amounts, the method, and what remains to be decided together
Subscriptions are public. The rest — volume beyond the tier, extensions, deployment, integration — depends on a scope no catalogue can guess, and is priced with you. This page states plainly which is which.
What is published, and what is not
Useful transparency means separating what can be announced from a figure that would be adjusted afterwards.
- Annual subscriptions are published because they are stable: they depend only on the tier, and the tier depends only on the volume you handle.
- The per-file cost beyond the included volume, the uplift for extensions and the integration work are not: they vary by a wide factor depending on the system in place, and a single figure would be wrong for almost everyone.
- They are not withheld for all that. The estimate NAMES them one by one, says why they are not priced, and records them in the document you receive.
The amounts, and what they cover
Three tiers for the banking segment, one entry point for microfinance. The six-module core is included in every case. Set your configuration: the estimate follows, and names whatever remains to be confirmed.
F CFA 60,000,000
25,000 credit files analysed per year, included
F CFA 120,000,000
60,000 credit files analysed per year, included
Your configuration
Set what applies to you. The estimate updates as you go, and always separates what is calculated from what remains to be confirmed.
Additional modules
One-off services
F CFA 60,000,000
- PROFESSIONAL subscription
- F CFA 60,000,000
Assumptions applied
The published amounts are annual reference prices for the platform core. The final price depends on the scope chosen, actual volume, additional modules, deployment mode, integration work and support. These items are named in the estimate; they are not priced until they have been settled with you.
What that amount represents for you
Set against the processing cost you declare, the subscription takes on a meaning its absolute value does not have. The improvement assumptions remain yours, and are adjustable in front of you.
What you declare
These figures are yours. Nothing is presumed about your activity: the perspective is worth exactly what you enter.
27.8%
The share the annual PROFESSIONAL subscription would represent in the processing cost you have just declared. This ratio assumes no gain: it is a division.
- Declared processing cost
- F CFA 216,000,000
- Reference annual subscription
- F CFA 60,000,000
- Analyst hours committed
- 48,000 h
Your assumptions
These two sliders are yours. NEXCLARA has measured none of these values at a client: they are discussion points, not expected results.
- Cost avoided on time
- F CFA 38,880,000
- Cost avoided on rework
- F CFA 8,100,000
- Gap against the subscription
- -F CFA 13,020,000
Sensitivity
At which assumption does the gap turn positive? The curve shows it better than a single figure, and leaves you to judge how plausible it is.
Handling time freed 0%-F CFA 51,900,000
Handling time freed 5%-F CFA 41,100,000
Handling time freed 10%-F CFA 30,300,000
Handling time freed 15%-F CFA 19,500,000
Handling time freed 20%-F CFA 8,700,000
Handling time freed 25%F CFA 2,100,000
Handling time freed 30%F CFA 12,900,000
Handling time freed 40%F CFA 34,500,000
No figure on this screen comes from a measurement taken at an institution. The scenarios rest entirely on the assumptions you set. NEXCLARA guarantees no gain, no timeline and no return on investment.
Three components, and nothing else
The structure is identical for every institution. Only the levels change.
- Annual subscription
Access to the platform and to the six core modules: decision engine, explainability, interoperability, analyst workspace, compliance and audit, configuration. Set by tier according to institution size. It gives your budget the predictability it needs.
- Per-file pricing
A unit cost per application assessed, tapering with volume. A quota of requests is included in the subscription. This part aligns cost with real usage: a quiet year costs less than a year of growth.
- Optional modules
Alternative data, early warning, fraud detection, portfolio analytics. Each switches on at any time, without service interruption, and is billed in addition to the subscription. None is a prerequisite.
Two opposite pricing logics
One engine, two distinct economics — and therefore two price structures that look nothing alike.
Commercial banks
In this segment the annual subscription is the dominant component and the variable part follows growth. The discussion is not about the cost of the tool but about the cost of risk.
Microfinance institutions
In this segment the pricing logic is inverted: the subscription is deliberately low and the variable part dominates. The aim is not unit margin; it is that price should never be the reason not to try.
One-off services
They occur at go-live, and only one of them is sometimes indispensable.
- Technical integration
According to the mode chosen and the complexity of your core banking system. File-based integration costs appreciably less than real time.
- Assisted entry: no integration fee
This is the product's entry lever. An institution can start without mobilising its IT team, therefore without an IT project, therefore without an investment committee.
- Scorecard calibration workshop
Translating your existing credit policy into an explicit scorecard, with your teams. It is what makes starting without statistical history possible, and it is the work that determines the quality of the first months.
- Team training
Per session, for analysts and for the risk department. Since configuration is designed to be self-service, training is about method more than about the tool.
How to judge whether the price is justified
The simulator above sets the amount against your own figures. The method below goes further, and is carried out with your risk department.
- Take your current credit exposure and non-performing loan rate — not a market average.
- Estimate, with your risk department, the share of those loans that could have been identified at origination. It is the hardest and the most useful question.
- Quantify the final loss after recovery, which is the amount actually at stake.
- Add the applications refused out of caution that would become assessable — a line usually absent from any calculation because it appears in no ledger.
- Compare the total with the cost of the solution over the same period.
This calculation is done in front of you, at the first meeting, with your figures. It takes an hour.
What we are asked before signing
The answers below are accurate as at the publication date of this page.
How is the price calculated?
An annual subscription per tier, determined by the volume of credit files analysed, to which your configuration adds additional modules, deployment mode, integration and support. Subscriptions are public; the other components are priced with you, because they depend on a scope no form can capture.
Is integration included?
No. Three exchange channels exist: application interface, file exchange, assisted entry. The first two involve integration work priced against the complexity of your system. Assisted entry involves none: it is the fastest way to start.
Can I start with only some of the modules?
The six-module core — CORE, CLARITY, LINK, DESK, TRUST, ADMIN — is not divisible: a decision without explanation, traceability or configuration is of no use. The four extensions SIGNAL, SHIELD, SENTINEL and VISION are added when you have a use for them.
How does the price change with volume?
Each tier includes an annual allowance of credit files analysed. Beyond it, billing becomes partly usage-based and tapering. The per-file rate is not published: it is set alongside the tier chosen and the volume actually observed.
In which currencies are prices expressed?
The CFA franc is the reference currency: prices are defined in it and it is in CFA francs that they are authoritative. The euro and the US dollar are converted views, offered for readability.
Are the euro and dollar amounts contractual?
No. The euro / CFA franc parity is fixed and institutional, but the conversion remains indicative. The dollar is converted at the latest reference rate published by the BCEAO, whose date is shown. Only the CFA franc amount commits.
Does the deployment mode change the price?
Yes. Shared deployment is included in the subscription. Dedicated, on-premise and hybrid modes require their own infrastructure and are priced accordingly.
Can I receive a written estimate?
Yes. Set your configuration above, then request delivery: you receive a document restating your configuration, the amount, the conversion applied with its source and date, and the items left to confirm.
After the estimate
Your configuration produces an immediate estimate; the conversation confirms what cannot be settled alone.