Accelerated and Precision-Driven Credit Decisions

Access powerful insights with open finance methodologies and advanced intelligence to drive informed decision-making, while improving the lending experience for your users.

Accelerated and Precision-Driven Credit Decisions

These folks get it

Beam protocol

Increase conversion

We help streamline loan applications, clarify eligibility, and provide a seamless user experience for African communities.

Increase volume

We help attract borrowers with competitive rates, flexible terms, and diverse loan products. Our platform handles high volumes efficiently, catering to a rapidly growing customer base.

Decrease Admin Costs

Leveraging automation, machine learning, and innovative tech, our lending API minimises manual processes and costs, passing on savings to borrowers and staying competitive.

Decrease Bad Debt

Mitigate bad debt risk with advanced algorithms and data analytics. We prioritize responsible lending, ensuring affordability for borrowers and equipping them with tools for debt management.

Ship more quickly with powerful and easy-to-use APIs

Streamline credit analysts' tasks with unified, consistent golden source data and automated credit analysis. We meticulously navigate the fragmented lending, regulatory, and banking sectors in the African credit landscape, enabling your teams to build solutions from one comprehensive platform.

How it works

Bureau

Bank Statements

Home Affairs

Deeds Office

Telco Data

(Golden Data Sources)

Nucleus

(Our data exchange tool)

Lender

API

(Our productsl)

Blog

This article is Part 3 of our series of articles on Beam’s data science philosophy, our machine learning principles and our approach to machine learning. We’ll be continuing the discussion here, unpacking the more technical aspects around our approach.
In line with our mission to develop technologies that provide best-in-class credit decisioning and infrastructure, we have been hard at work developing the first product in our line up: Vet Your Customer (VYC) by Beam.
In this post, Beam's Head of Data Science, Nicolas Gonatas, discusses Beam’s machine learning principles.

Frequently asked questions

Everything you need to know about the product and billing.

Beam’s free tier permits limited use of the platform to allow you to gain access and test the service. Contact us for more information.

Beam provides a state-of-the-art credit vetting solution, underpinned by the most current and comprehensive affordability information available. Our focus is not only on thorough and accurate evaluation, but also on ensuring a seamless onboarding process and an exceptional user experience for our borrowers.

All data and insights are delivered through our powerful and easy-to-use API.

Beam specialises in providing Bank Statement analysis, categorisation, risk insights and spending behaviour to our customers. We onboard and manage your customer’s credit life cycle.

Traditional data aggregators do not offer seamless solutions which can be set up in 24 hours. Startups can use Beam for free within hours.

Beam adheres to the guidelines and standards prescribed by the National Credit Regulator (NCR) and other relevant regulatory authorities.

Borrowers who connect permit the exchange of their data exclusively between the lender and Beam, ensuring no unauthorized parties can gain access. Upon the borrower’s request, this data-sharing arrangement can be terminated.

Beam is a completely white labelled solution.

Our customers brand image is a top priority for us. Beam is integrated into your corporate identity.

Beam’s enterprise tier provides SLA level support and account management.

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Thank you! Our sales team will be in contact with you to set up a demo.

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