Ghana's first AI-powered psychometric credit scoring system built specifically for thin-file borrowers. TruScore de-risks informal sector MSMEs using behavioural, psychometric and alternative data — not just credit history.
Traditional scoring requires bank statements and bureau history. Ghana's informal sector has neither — leaving millions of productive, creditworthy entrepreneurs locked out.
Of Ghana's workforce operates informally — no payslips, no bureau history, invisible to traditional lenders.
Micro, small and medium enterprises lacking access to affordable formal credit due to insufficient data.
Annual credit gap for Ghana's MSMEs — capital that could transform businesses and create jobs.
TruScore's AI pipeline collects, weights and processes 100+ alternative data points to produce a reliable credit score — even for borrowers with zero bureau history.
Borrower completes psychometric interview and grants data access.
100+ signals extracted: behaviour, knowledge, social proof, mobile patterns.
Ensemble ML applies weighted scoring across all dimensions.
TruScore (300–850), risk tier and explainable score breakdown generated.
Loan officer receives full report. Approved loans disbursed same day.
TruScore builds a comprehensive picture of creditworthiness from sources never before used in Ghanaian lending. Each dimension is independently validated and weighted by our AI model trained on Ghana-specific credit behaviour.
Risk attitude, integrity and financial intelligence assessed through validated questionnaires.
Mobile money patterns, savings consistency, loan repayment velocity and cash flow.
Industry knowledge, market awareness, pricing logic and business planning ability.
Community standing, guarantor quality and social accountability indicators.
Smartphone usage, app consistency and digital behaviour as credit signals.
Sector seasonality, regional risk factors and macroeconomic context.
Not a prototype. Not a pilot. TruScore is actively being used by TruCredit's loan officers to assess thin-file borrowers across Accra.
Thin-file applicants assessed since launch
Previously declined borrowers now approved
On validation dataset of 1,200 historical loans
From data submission to TruScore output
Single, standardised score comparable across all borrowers.
Each factor scored individually so every decision can be defended.
AI-generated amount, tenor and conditions based on the full profile.
Automatic flags for inconsistency patterns and high-risk behaviour signals.
Informal sector MSMEs in Ghana are not unbankable. They are unmeasured. TruScore provides the measurement infrastructure that makes them bankable — safely, profitably and at scale.
By de-risking thin-file borrowers through psychometric and alternative data, TruScore opens the door to a segment that generates real output, real employment and real growth.
Any Ghanaian with a business and strong character now has a fair path to formal credit.
Lenders make better-informed decisions, reducing risk while expanding reach.
Every repaid loan builds a formal credit file. First-time borrowers become repeat borrowers.
TruScore includes welfare flags to protect vulnerable borrowers from unsafe loan amounts.
TruScore is available exclusively through TruCredit Micro-Credit Enterprise. Contact us to discuss partnership, API integration or a live demonstration.