Indicina

Indicina is a FinTech company based in Lagos, Nigeria, focused on enhancing credit access across Africa through data-driven solutions.

Founded in September 2017, Indicina operates on a B2B and SaaS model, providing financial institutions with the technology needed to build a robust credit ecosystem. The company aims to accelerate economic inclusion by enabling lenders to make informed and efficient credit decisions. Indicina offers a range of services centered around credit decisioning and analytics, loan origination and management, and data infrastructure. Its flagship platforms, Originate and Decide, automate the lending process and leverage machine learning to analyze financial data, helping lenders assess creditworthiness and manage risk effectively. The company also provides a Buy Now Pay Later (BNPL) platform, allowing businesses to offer flexible payment options to customers. Indicina serves a diverse clientele, including banks, non-bank lenders, insurers, and retail merchants, facilitating significant loan processing and disbursement across the continent. With a commitment to innovation, Indicina utilizes alternative data and predictive modeling to support the unbanked and underbanked populations in Africa.