F CFA 30,000,000
10,000 credit files analysed per year, included
The stake is portfolio performance
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.
Three tiers, a complete core
Each tier includes the six-module core and an annual allowance of credit files analysed. Set your configuration: the estimate follows, and names what remains to be priced with you.
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 sets your tier
Four factors, in the order in which they weigh.
- Annual application volume
The primary factor. It sets the subscription tier and the quota of requests included.
- Number of credit products configured
Each product has its scorecard, thresholds and adjustments. An institution covering SME, consumer and mortgage lending mobilises more configuration.
- Deployment mode
Shared, dedicated, or inside your own infrastructure. Physical isolation and on-premises installation mobilise different resources, and the price reflects that.
- Modules enabled
The core set is enough to decide. Alternative data, early warning, fraud detection and analytics are added when you decide.
What the subscription includes, at no extra cost
What never appears as an extra line.
- The six core modules, complete — not a reduced edition.
- Unlimited configuration of your rules, scorecards and thresholds by your own teams.
- Simulation of a candidate policy against your history, as often as needed.
- The bilingual interface, French and English, across every function.
- The outsourcing file intended for the General Secretariat of the Banking Commission.
- Platform updates, with no version billing.
The extensions banks switch on first
The add-on modules that matter most on this segment, and what they bring.
- Early warning
The already-granted portfolio holds most of the recoverable value. A default anticipated by sixty days is handled quite differently from one endured.
- Portfolio analytics
Executive management asks for performance by score cohort and for the gap between recommendation and human decision. It is the module that makes the system defensible in committee.
- Fraud detection
Built into the decision flow rather than run after approval, where it merely records a loss.