Note: Example below is specific to Ethiopia, but we welcome Myanmar, Eritrea, Cameroon, Gabon, Congo, Mauritania, Yemen, Equatorial Guinea, Comoros, São Tomé, Príncipe, Micronesia, Palau, Marshall Islands, Tuvalu, Nauru, Sudan, Somalia, etc... to inquire bc we can help you.
Pioneering Credit Intelligence in Ethiopia
Building Ethiopia’s financial backbone to unlock trillions in new lending and drive a 10x economic multiplier.
The Opportunity
Economic Growth
With a projected GDP growth of 6.5-7.4% and banking sector liberalization starting in 2025, Ethiopia is poised for a financial transformation.
The Gap
Currently, less than 1% of adults are covered by the public registry. This leaves millions without access to formal credit.
Our Solution: EthioTrustScore
The first semi private credit reporting agency in Ethiopia.
Banks
Loan repayment data
Telecoms
Telebirr, bill payments
Utilities
Electricity, Water bills
Why EthioTrustScore Matters
Bridging the gap between financial institutions and the Ethiopian people.
For Banks & Lenders
- ✓Reduce Non-Performing Loans significantly.
- ✓Move away from 100-200% collateral requirements.
- ✓Unlock new revenue streams by serving the unbanked.
For Individuals & SMEs
- ✓Access credit without needing property collateral.
- ✓Build a financial reputation using Telebirr/Utility bills.
- ✓Get lower interest rates for good repayment history.
Trusted, Secure, & Compliant
NBE Compliant
Fully licensed and operating under National Bank of Ethiopia directives.
Data Privacy
Bank-grade encryption protecting critical personal and financial data.
Global Standards
Aligned with IFC/World Bank best practices for credit reporting.
Understanding EthioTrustScore
Your "financial report card" summarizing your borrowing history and reliability.
Score Composition
For Individuals
How to build your score
You can build a strong credit score by leveraging "positive data". This isn't just about bank loans—everyday payments count.
Utility Payments
Water and electricity bills paid on time.
Mobile Money
Consistent Telebirr transaction history.
Micro-loans
Repaying small digital loans promptly.
Driving Economic Transformation
Unlocking potential and accelerating growth for Ethiopia.
$10-$20 Billion
Addition to nominal GDP by 2035
35%
Target adult coverage in 5 years
20-40%
Reduction in defaults
Strategic Analysis
Strengths
- First-mover advantage in private credit reporting.
- Strong alignment with the 10-Year National Plan.
- Scalable technology infrastructure.
Weaknesses
- High initial setup costs ($5-15M).
- Consumer education gap regarding credit scores.
Opportunities
- Integration with Digital ID (Fayda).
- Explosive fintech and mobile money growth.
- Banking liberalization.
Threats
- Macroeconomic instability.
- Reluctance in data sharing among institutions.
Business Model
Core Reports
ETB 1,000 fee per report. Includes credit scores and localized fraud alerts.
B2B Subscriptions
Recurring revenue from banks for portfolio monitoring and analytics.
Value-Added Services
Identity verification, debt collection tools, and premium analytics.
Projections (5-Year)
Implementation Plan
Foundation
- • Secure NBE License
- • Seed Capital $5-15M
- • Partner Global Tech
Onboarding
- • Integrate Data Providers
- • Pilot with major banks (CBE)
- • System testing
Expansion
- • Consumer Tools Launch
- • Financial Literacy Campaigns
- • National Scale
Roadmap
- • Implement machine learning on the data to transform the EthioTrustScore into an AI-driven company
- • Integrate AI chat and voice services for customer support
- • Develop Android/iOS app
Join the Financial Revolution
Partner with us to build the infrastructure of trust in Ethiopia.
We seek strategic investors and partners for equity or joint ventures.
Get in Touch
Visit Us
Fairfax, VA
United States
Email Us
kirillYSC@gmail.com
Call Us
+1 571 276-0986