MoliyAI

Узбекистан, Tashkent | Pre-Seed | AI / ML

MoliyAI is an AI-driven credit scoring solution for BNPL (Buy Now, Pay Later) and Microfinance Organizations operating in emerging markets to evaluate underserved population, especially where credit bureaus don’t show any reliable information.

In many regions like Central Asia, South Asia, and Africa, traditional credit bureau data is either missing or unreliable. As a result, millions of people remain invisible to the financial system, unable to access basic credit.

MoliyAI solves this problem by using a unique approach. We analyse Purchase behaviour, Asset ownership and also add external data such as telecom, transactions and so on to evaluate a person’s real repayment ability.

Our technology allows lenders to confidently approve more clients while keeping default risk under control.
It’s fast to integrate, explainable, and specifically designed for low-data, high-risk environments where conventional scoring fails.