https://kob.lovable.app/assets/CreditScoring-D6A8uDOn.js

1import{w as N,j as e,P as t,B as r,b as l,ai as y,g as d,l as m,k as x,U as o,Z as h,C as c,c as u,bm as w,cs as C,ah as k,h as A,n as p}from"./index-Czy1EwCq.js";import{S as I}from"./SEO-Cl0pjks0.js";import{c as P}from"./crediq-card-d67CsjvJ.js";import{A as g}from"./arrow-right-DJh_xssT.js";const S="/assets/crediq-phone-Dg_zu74k.webp",B="/assets/crediq-person-CT6DJM6T.jpg",a={hidden:{opacity:0,y:24},visible:i=>({opacity:1,y:0,transition:{delay:i*.1,duration:.5}})};function O(){const i=N(),v=[{icon:d,title:"Payment History",weight:"35%",description:"On-time bill payments, loan repayments, and mobile money consistency directly impact your score.",impact:"highest"},{icon:m,title:"Credit Utilization",weight:"30%",description:"How much of your available credit you use. Keeping usage below 30% signals responsible borrowing.",impact:"high"},{icon:x,title:"Account Age & History",weight:"15%",description:"The longer your credit accounts have been open, the more data lenders have to evaluate risk.",impact:"medium"},{icon:o,title:"Credit Mix",weight:"10%",description:"A healthy mix of credit types—savings, loans, njangi contributions—shows financial maturity.",impact:"medium"},{icon:h,title:"New Credit Inquiries",weight:"10%",description:"Frequent applications for new credit can temporarily lower your score. Space out applications.",impact:"low"}],j=[{icon:w,title:"Personal Savings",points:"+15–30 pts",description:"Consistent savings deposits demonstrate financial discipline and boost your score.",color:"hsl(var(--primary))"},{icon:o,title:"Njangi Contributions",points:"+10–25 pts",description:"Active participation in group savings circles shows community trust and reliability.",color:"hsl(var(--accent))"},{icon:C,title:"Rent Reporting",points:"+20–50 pts",description:"Report on-time rent payments to build credit from your largest monthly expense.",color:"hsl(var(--primary))"},{icon:k,title:"PostiQ Address Verification",points:"+10–20 pts",description:"Verified residential address through PostiQ adds a trust signal to your credit profile.",color:"hsl(var(--accent))"},{icon:A,title:"Mobile Money Activity",points:"+5–15 pts",description:"Regular mobile money usage patterns demonstrate financial engagement and stability.",color:"hsl(var(--primary))"},{icon:p,title:"KYC Verification",points:"+10–15 pts",description:"Completing identity verification establishes the foundation for a trusted credit profile.",color:"hsl(var(--accent))"}],b=[{icon:h,title:"Instant Decisions",description:"Get credit scores in under 2 seconds via API integration"},{icon:p,title:"COBAC Compliant",description:"Fully compliant with Central African banking regulations"},{icon:m,title:"Explainable AI",description:"Transparent factor analysis behind every score"},{icon:x,title:"Predictive Analytics",description:"30-day default probability predictions for lenders"}];return e.jsxs(e.Fragment,{children:[e.jsx(I,{title:"Credit Scoring API for Cameroon | Alternative Credit Data",description:"Real-time credit scoring API using banking data, mobile money, and alternative data. COBAC compliant credit assessment for Cameroon lenders.",keywords:"credit scoring API Cameroon, alternative credit data, COBAC compliant scoring, lending API, credit risk assessment, fintech credit scoring",canonical:"https://kangopenbanking.com/solutions/credit-scoring",breadcrumbs:[{name:"Home",url:"/"},{name:"Solutions",url:"/solutions"},{name:"Credit Scoring",url:"/solutions/credit-scoring"}]}),e.jsxs("div",{className:"min-h-screen bg-background",children:[e.jsxs("section",{className:"relative overflow-hidden",children:[e.jsxs("div",{className:"absolute inset-0",children:[e.jsx("img",{src:B,alt:"",className:"w-full h-full object-cover"}),e.jsx("div",{className:"absolute inset-0 bg-gradient-to-r from-background via-background/90 to-background/60"})]}),e.jsx("div",{className:"container mx-auto max-w-6xl px-4 py-24 md:py-36 relative",children:e.jsxs("div",{className:"max-w-2xl",children:[e.jsx(t.div,{initial:"hidden",animate:"visible",variants:a,custom:0,children:e.jsx(r,{className:"mb-4 text-sm",children:"CrediQ Credit Engine"})}),e.jsxs(t.h1,{className:"text-4xl md:text-6xl font-bold mb-6 leading-tight",initial:"hidden",animate:"visible",variants:a,custom:1,children:["Know Your Credit."," ",e.jsx("span",{className:"text-primary",children:"Own Your Future."})]}),e.jsx(t.p,{className:"text-lg md:text-xl text-muted-foreground mb-8 leading-relaxed",initial:"hidden",animate:"visible",variants:a,custom:2,children:"AI-powered credit scoring using banking data, mobile money transactions, savings behavior, and alternative data sources — built for Cameroon and Central Africa."}),e.jsxs(t.div,{className:"flex gap-4 flex-wrap",initial:"hidden",animate:"visible",variants:a,custom:3,children:[e.jsxs(l,{size:"lg",onClick:()=>i("/crediq"),children:["Check Your Score",e.jsx(g,{className:"ml-2 h-5 w-5"})]}),e.jsx(l,{size:"lg",variant:"outline",onClick:()=>i("/developer/api-explorer"),children:"API Documentation"})]})]})})]}),e.jsx("section",{className:"py-16 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"text-center mb-10",children:[e.jsx("h2",{className:"text-3xl font-bold mb-3",children:"Credit Score Ranges"}),e.jsx("p",{className:"text-muted-foreground",children:"Understand where you stand on the 300–850 scale"})]}),e.jsxs("div",{className:"relative",children:[e.jsxs("div",{className:"h-4 rounded-full overflow-hidden flex",children:[e.jsx("div",{className:"flex-1 bg-destructive/80"}),e.jsx("div",{className:"flex-1 bg-yellow-500/80"}),e.jsx("div",{className:"flex-1 bg-blue-500/80"}),e.jsx("div",{className:"flex-1 bg-green-500/80"}),e.jsx("div",{className:"flex-1 bg-primary/80"})]}),e.jsxs("div",{className:"flex justify-between mt-3 text-sm",children:[e.jsxs("div",{className:"text-center",children:[e.jsx("div",{className:"font-bold text-destructive",children:"300–579"}),e.jsx("div",{className:"text-muted-foreground text-xs",children:"Poor"})]}),e.jsxs("div",{className:"text-center",children:[e.jsx("div",{className:"font-bold text-yellow-500",children:"580–669"}),e.jsx("div",{className:"text-muted-foreground text-xs",children:"Fair"})]}),e.jsxs("div",{className:"text-center",children:[e.jsx("div",{className:"font-bold text-blue-500",children:"670–739"}),e.jsx("div",{className:"text-muted-foreground text-xs",children:"Good"})]}),e.jsxs("div",{className:"text-center",children:[e.jsx("div",{className:"font-bold text-green-500",children:"740–799"}),e.jsx("div",{className:"text-muted-foreground text-xs",children:"Very Good"})]}),e.jsxs("div",{className:"text-center",children:[e.jsx("div",{className:"font-bold text-primary",children:"800–850"}),e.jsx("div",{className:"text-muted-foreground text-xs",children:"Excellent"})]})]})]})]})}),e.jsx("section",{className:"py-20 px-4 bg-muted/30",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"grid lg:grid-cols-2 gap-12 items-center mb-16",children:[e.jsxs("div",{children:[e.jsx(r,{variant:"outline",className:"mb-4",children:"Score Factors"}),e.jsx("h2",{className:"text-3xl md:text-4xl font-bold mb-4",children:"What Impacts Your Credit Score?"}),e.jsx("p",{className:"text-muted-foreground text-lg leading-relaxed",children:"Your CrediQ score is calculated from five major categories, each weighted differently. Understanding these factors helps you take control of your financial health."})]}),e.jsxs("div",{className:"relative rounded-2xl overflow-hidden aspect-[4/3]",children:[e.jsx("img",{src:P,alt:"Credit card for financial health",className:"w-full h-full object-cover"}),e.jsx("div",{className:"absolute inset-0 bg-gradient-to-t from-background/80 to-transparent"}),e.jsx("div",{className:"absolute bottom-6 left-6 right-6",children:e.jsxs("div",{className:"flex items-center gap-2 text-sm font-medium",children:[e.jsx(y,{className:"h-4 w-4 text-primary fill-primary"}),e.jsx("span",{children:"Build credit with every financial action"})]})})]})]}),e.jsx("div",{className:"space-y-4",children:v.map((s,n)=>

1e.jsx(t.div,{initial:"hidden",whileInView:"visible",viewport:{once:!0},variants:a,custom:n,children:e.jsx(c,{className:"overflow-hidden",children:e.jsx(u,{className:"p-6",children:e.jsxs("div",{className:"flex items-start gap-5",children:[e.jsx("div",{className:"h-12 w-12 rounded-xl bg-primary/10 flex items-center justify-center shrink-0",children:e.jsx(s.icon,{className:"h-6 w-6 text-primary"})}),e.jsxs("div",{className:"flex-1 min-w-0",children:[e.jsxs("div",{className:"flex items-center gap-3 mb-1 flex-wrap",children:[e.jsx("h3",{className:"text-lg font-semibold",children:s.title}),e.jsxs(r,{variant:s.impact==="highest"?"default":s.impact==="high"?"secondary":"outline",children:[s.weight," weight"]})]}),e.jsx("p",{className:"text-muted-foreground",children:s.description})]})]})})})},s.title))})]})}),e.jsx("section",{className:"py-20 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"grid lg:grid-cols-2 gap-12 items-center mb-16",children:[e.jsx("div",{className:"relative rounded-2xl overflow-hidden aspect-[3/4] max-h-[480px]",children:e.jsx("img",{src:S,alt:"Person checking credit score on phone",className:"w-full h-full object-cover"})}),e.jsxs("div",{children:[e.jsx(r,{variant:"outline",className:"mb-4",children:"Credit Building"}),e.jsx("h2",{className:"text-3xl md:text-4xl font-bold mb-4",children:"Every Action Builds Your Score"}),e.jsx("p",{className:"text-muted-foreground text-lg leading-relaxed mb-6",children:"The KOB ecosystem rewards responsible financial behavior. From savings deposits to rent reporting, each activity contributes points to your CrediQ credit score."}),e.jsxs(l,{onClick:()=>i("/crediq"),size:"lg",children:["Start Building Credit",e.jsx(g,{className:"ml-2 h-5 w-5"})]})]})]}),e.jsx("div",{className:"grid md:grid-cols-2 lg:grid-cols-3 gap-6",children:j.map((s,n)=>e.jsx(t.div,{initial:"hidden",whileInView:"visible",viewport:{once:!0},variants:a,custom:n,children:e.jsx(c,{className:"h-full hover:shadow-lg transition-shadow",children:e.jsxs(u,{className:"p-6",children:[e.jsxs("div",{className:"flex items-center justify-between mb-4",children:[e.jsx("div",{className:"h-11 w-11 rounded-xl bg-primary/10 flex items-center justify-center",children:e.jsx(s.icon,{className:"h-5 w-5 text-primary"})}),e.jsx(r,{variant:"secondary",className:"font-bold",children:s.points})]}),e.jsx("h3",{className:"font-semibold text-lg mb-2",children:s.title}),e.jsx("p",{className:"text-sm text-muted-foreground leading-relaxed",children:s.description})]})})},s.title))})]})}),e.jsx("section",{className:"py-20 px-4 bg-muted/30",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsxs("div",{className:"text-center mb-12",children:[e.jsx(r,{variant:"outline",className:"mb-4",children:"For Lenders & Fintechs"}),e.jsx("h2",{className:"text-3xl md:text-4xl font-bold mb-4",children:"Integrate Credit Scoring in Minutes"}),e.jsx("p",{className:"text-muted-foreground text-lg max-w-2xl mx-auto",children:"A single API call returns a comprehensive credit assessment with explainable factors"})]}),e.jsx("div",{className:"grid md:grid-cols-2 lg:grid-cols-4 gap-6 mb-12",children:b.map((s,n)=>e.jsx(t.div,{initial:"hidden",whileInView:"visible",viewport:{once:!0},variants:a,custom:n,children:e.jsxs(c,{className:"h-full text-center p-6",children:[e.jsx(s.icon,{className:"h-10 w-10 text-primary mx-auto mb-4"}),e.jsx("h3",{className:"font-semibold mb-2",children:s.title}),e.jsx("p",{className:"text-sm text-muted-foreground",children:s.description})]})},s.title))}),e.jsxs(c,{className:"p-6 bg-card",children:[e.jsxs("div",{className:"flex items-center gap-2 mb-4",children:[e.jsx("div",{className:"h-3 w-3 rounded-full bg-destructive"}),e.jsx("div",{className:"h-3 w-3 rounded-full bg-yellow-500"}),e.jsx("div",{className:"h-3 w-3 rounded-full bg-green-500"}),e.jsx("span",{className:"text-sm text-muted-foreground ml-2 font-mono",children:"credit-score.js"})]}),e.jsx("pre",{className:"text-sm overflow-x-auto font-mono",children:e.jsx("code",{children:`// Get credit score with user consent
2const score = await kob.creditScore.calculate({
3  userId: 'user-123',
4  consentId: 'consent-abc',
5  includeFactors: true
6});
7
8console.log(score.value);             // 742
9console.log(score.category);          // 'very_good'
10console.log(score.defaultProbability); // 0.03 (3%)
11console.log(score.factors);           // Array of contributing factors`})})]})]})}),e.jsx("section",{className:"py-20 px-4",children:e.jsxs("div",{className:"container mx-auto max-w-6xl",children:[e.jsx("div",{className:"text-center mb-12",children:e.jsx("h2",{className:"text-3xl font-bold mb-4",children:"Who Uses the Credit Scoring API"})}),e.jsx("div",{className:"grid md:grid-cols-3 gap-8",children:[{icon:M,label:"Digital Lenders",desc:"Automate loan approval with AI-powered risk assessment and real-time decisioning"},{icon:o,label:"Microfinance Institutions",desc:"Reach unbanked customers with alternative credit data from mobile money and savings"},{icon:d,label:"BNPL Platforms",desc:"Offer buy-now-pay-later with instant credit checks and 30-day default predictions"}].map((s,n)=>{const f=s.icon;

11return e.jsx(t.div,{initial:"hidden",whileInView:"visible",viewport:{once:!0},variants:a,custom:n,children:e.jsxs(c,{className:"p-6 text-center h-full",children:[e.jsx("div",{className:"h-14 w-14 rounded-2xl bg-primary/10 flex items-center justify-center mx-auto mb-4",children:e.jsx(f,{className:"h-7 w-7 text-primary"})}),e.jsx("h3",{className:"font-semibold text-lg mb-2",children:s.label}),e.jsx("p",{className:"text-sm text-muted-foreground",children:s.desc})]})},s.label)})})]})}),e.jsx("section",{className:"py-20 px-4 bg-primary/5",children:e.jsxs("div",{className:"container mx-auto max-w-4xl text-center",children:[e.jsx("h2",{className:"text-3xl font-bold mb-6",children:"Start Scoring Credit Today"}),e.jsx("p",{className:"text-xl text-muted-foreground mb-8",children:"Get API access and start making better lending decisions"}),e.jsxs("div",{className:"flex gap-4 justify-center flex-wrap",children:[e.jsx(l,{size:"lg",onClick:()=>i("/contact"),children:"Request Demo"}),e.jsx(l,{size:"lg",variant:"outline",onClick:()=>i("/crediq"),children:"Try CrediQ Free"})]})]})})]})]})}const M=i=>e.jsxs("svg",{xmlns:"http://www.w3.org/2000/svg",width:"24",height:"24",viewBox:"0 0 24 24",fill:"none",stroke:"currentColor",strokeWidth:"2",strokeLinecap:"round",strokeLinejoin:"round",...i,children:[e.jsx("path",{d:"M6 22V4a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v18Z"}),e.jsx("path",{d:"M6 12H4a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2h2"}),e.jsx("path",{d:"M18 9h2a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-2"}),e.jsx("path",{d:"M10 6h4"}),e.jsx("path",{d:"M10 10h4"}),e.jsx("path",{d:"M10 14h4"}),e.jsx("path",{d:"M10 18h4"})]});export{O as default};