MOving technology forward for an inclusive, digital & seamless financing.
Our suite of core products includes a Digital Lending Platform with flexible and innovative solutions that drastically reduce time-to-market and improve the lending customer experience. In addition, we offer Alternative Scoring & Analysis based on our proprietary models leveraged on ML and AI.

+1.4M
Scored users

+150K
Credits managed

The Digital Lending Platform
Our platform comprehensively covers the end-to-end needs of a credit lifecycle value chain. Our solution covers the full lending cycle including: digital onboarding and credit core management, integration with CRM…
The Alternative Scoring and Analysis
Through our proprietary risk models leverage the latest ML and AI modeling methodologies and rely on ingesting our standard and premium KPIs for above industry average approval rates.
The Complementary Data
The alternative data aggregates, consolidates and geo references data sources with a single integration. The standard indexes provide value on their own by filling our client’s data deficiency gaps needed by their risk…
What we care about —
The problems we solve.
- Wide financial inclusion gap for the credit invisibles.
- Low credit approval rates - banks today have an average approval rate of 10-15%.
- Lack of reliable data sources.
- Large number of declined debit and prepaid transactions due to insufficient funds.
- Inflexible credit life cycle management solutions.
- Credit lifecycle management solutions unsuitable for non-financial institutions.
Financial exclusion.
Nearly 2 billion people around the world lack effective access to formal credit financial services. This includes unbanked or newly banked individuals with a thin — or non-existent — financial footprint. We accurately score the financially underserved populations that have been affected by: A traditional credit scoring system based on credit history, centralized loans controlled by traditional financial institutions, or bureaucratic credit application processes.
Reliance on traditional credit data.
Rejection rates are 80% to 90% of new credit applicants when using conventional credit approval methodologies. This traditional credit data is and unsuitable for thin-file or no-file consumers. Our solutions give you seamless access to alternative data and accurate credit risk correlations bridging the traditional credit world and the alternative data world.
Inflexible and not end-2-end credit life cycle management platform.
Non-tech savvy institutions entering the financial world lack the credit know-how and technologies necessary to manage the credit life cycle. Now, more than ever, financial and non financial companies are looking for a flexible end-to-end credit core platform that allows them to easily operate the credit life cycle.
Dramatically better performance —
Leaders in our segment.
70%
Approval rate.
Users that are evaluated through our credit scores solutions 70% are approved.
<3%
Default rate.
of the total number of credits issued that have been in default for over 90 days or more.
<200 ms
Response time.
Instant decision engine with blazing response time. Thanks to our cloud based high performance infrastructure.
4.000
New loans managed monthly.
Our technology enables thousands of new loan applications per month and manages their life cycles.



Why MO —
Patented technology and solid architecture.
Our technology core allows you to choose the solutions you need to fit your business model. The platform is API-first for a quick and seamless integration with your existing tech stack leveraging our patented technologies.
a
Instant
63 milliseconds average response time for the entire scoring process.
b
Scalable
Our platform can process close to 1M requests per minute and it is built to scale on demand.
c
Anonymous
Masked ID to protect the users information.
d
Dynamic
Sourced data in real-time to provide real-time insights.
The Digital Lending Platform
Credit management solutions that digitize and automate every step of the credit lifecycle.
- MO Manage
- MO BNPL (Coming soon)
The Alternative Scoring and Analysis
Alternatively score full-file thin file and no file users and merchants.
- MO Score
- MO Insight (Coming soon)
- MO Override
The Complementary Data
Extract and transform raw data into structured information.
Case studies —
Success stories.
Our solutions have been proven to be successful across the financial and non-financial world. Spanning from traditional banks, to Fintech companies, we contribute to achieving financial inclusion.
Use cases:
- Nano and Micro credits
- Merchant cash advance
- Denied credit card reconsideration
- Lending processes digitization
- End-to-end credit solutions





Financial world
- Banks
- Fintechs
- Digital wallets/Neobanks
- Acquiring networks