A two-sided platform: five consumer products that build financial identities for Ethiopians, and a B2B service layer that turns those identities into recurring revenue for banks, MFIs, and fintechs.
Ethiopia's first real-time AI-powered personal credit score. Accessible via mobile app in Amharic, Afaan Oromo, Tigrinya, Somali, and English — giving every Ethiopian a verifiable financial identity for the first time.
Built on alternative data — telecom payments, mobile money, utilities, savings behaviour — not traditional credit history.
Dynamic scores that update as borrower behaviour evolves — not static monthly snapshots.
Available in 5 Ethiopian languages with USSD access for non-smartphone rural users.
Free basic score; premium subscription for detailed reports, alerts, and coaching insights.
A savings-linked credit building product designed for people who have never borrowed. Regular monthly deposits into a locked account are reported as on-time payments — directly building a Sheba Credit Score without ever taking a loan.
Youth, women, and first-time borrowers with no formal credit history — Ethiopia's largest underserved segment.
Deposits locked 3–12 months, returned in full at term end. Users gain both savings and a credit score.
Each on-time deposit boosts the user's score — creating a pathway from informal iqqub savings to formal credit.
A farmer credit profiling system that converts agricultural data into bankable credit scores. 70% of Ethiopia's workforce is in farming — yet almost entirely excluded from formal lending. Sheba Agri makes them visible to lenders for the first time.
Crop yields, cooperative membership, input purchases, seasonal payment patterns, and mobile wallet transactions.
Repayment schedules synced to crop cycles — aligned with how farmers actually earn.
Graph Neural Networks model group-lending dynamics — harnessing Ethiopia's strong cooperative culture as a credit signal.
A mobile-first financial literacy platform that teaches Ethiopians how credit works — and rewards healthy behaviour with real score boosts. Completing modules earns Education Points that directly feed into the Sheba Credit Score.
Amharic, Afaan Oromo, Tigrinya, Somali, and English — reaching Ethiopians in their own language.
Quizzes, badges, and progress tracking make financial literacy engaging — especially for Ethiopia's 70% youth population.
Free for users — supported through partnerships with banks, MFIs, NGOs, and CSR programmes who benefit from better-informed borrowers.
Ethiopia's first customer-permission open banking platform. Individuals consent to share their financial data; Sheba's AI analyses it to enable lenders to offer personalised, lower-risk products in real time. Built on PSD2 and UK Open Banking standards.
OAuth 2.0 + immutable consent ledger — customers control exactly what they share and with whom.
Real-time decision-ready data delivered to lenders in under half a second via our high-performance Go microservices.
Machine learning models detect income patterns, repayment capacity, and early risk signals across linked financial accounts.
Explore the full Sheba Credit platform — consumer scoring, Agri credit, Open Banking, and the CRaaS B2B API — all in one interactive demo.
▶ Try Live DemoNo sign-up required · Works on all devices