Credit intelligence
Verified credit evidence, customer-safe reasons and confidence without surrendering institution decision authority.
Digital-credit infrastructure for financial institutions
Launch your institution’s
digital-credit products.
Duruj CreditCheck gives banks, MFIs and SACCOs the scoring intelligence, policy controls and lending infrastructure needed to launch responsible digital credit under their own brand.
Tenant isolatedConsent governedCBS authoritative
APPLICATION CC-2841AUTHORIZED REVIEW
SA
Samira AhmedWorking capital · ETB 185,000
Credit intelligence712 · GoodDurujScore evidence
→Institution policyEligibleWC-4.2 conditions
→Final authorityHuman reviewDemo Bank workflow
Financial stateNot booked · awaiting authorized decision
Built for regulated credit operations
BanksMicrofinanceCooperativesDigital lendersEmbedded finance
One governed platform
From customer evidence to reconciled lending operations.
Powered by DurujScore, Duruj CreditCheck enables banks, MFIs, SACCOs and digital lenders to assess customers, configure institution-specific lending policies, automate governed decisions and manage the complete credit lifecycle. Each institution retains control of its branded products, lending decisions, customer relationships and funds.
Income & affordability
Consented cash-flow evidence for responsible affordability assessment and governed policy.
Identity & consent
Link relationships to verified identity and purpose-bound consent without another customer master.
Digital lending
Applications, reviews, offers, loan projections, repayments, collections and reconciliation.
Portfolio monitoring
Track exposure, concentration, arrears and movement against CBS-confirmed states.
Integration fabric
Route customer, loan, payment, IAM, document and compliance capabilities to the right system.
Clear responsibility
Intelligence informs.
Your institution decides.
DurujScore never becomes the lender. CreditCheck never becomes the ledger. Every outcome preserves the responsible system and authorized actor.
A single-institution digital-credit channel serves one lender. CreditCheck provides reusable infrastructure through which multiple banks, MFIs and SACCOs can operate their own governed channels.
- 01DurujScore
Credit intelligence, reasons and evidence confidence.
- 02Institution policy
Approved products, eligibility and affordability controls.
- 03Authorized workflow
Final decision, review and maker-checker evidence.
- 04Institution CBS / LMS
Booking, official balances, posting and settlement.
Designed around your model
Start where your institution needs leverage.
Banks
Unify review, approval controls, integrations and portfolio evidence.
Microfinance institutions
Replace manual assessment and spreadsheet workflows.
SACCOs & cooperatives
Digitize member credit while preserving cooperative authority.
Digital & embedded lenders
Combine APIs, workflows and integrations without rebuilding the stack.
For engineering and operations
Integrate by capability, not vendor assumptions.
Canonical contracts keep workflows independent from CBS, LMS, payment, IAM, document and compliance vendors.
customer institution-cbs
assessment durujscore
loanBooking institution-lms
payments institution-rail
authority verified-claims
For consumers
Reasons and rights remain visible.
Institution mobile experiences include plain-language reasons, improvement guidance, data-source transparency and dispute access.
Plain-language explanationsConsent visibilityDispute trackingCustomer-safe support
Trust by design
Clear controls. Qualified commitments. Verifiable evidence.
Privacy roles, residency, retention, security and consumer rights are documented separately from product marketing and remain subject to the institution agreement.
Build responsible credit operations
Bring policy, systems and customer journeys together.
Explore the complete illustrative workspace or begin an institution discovery.