Independent Concept & Functional Prototype
M2 Data
Exploring alternative credit intelligence for East African SMEs
Problem
Many SMEs generate meaningful economic activity without producing the structured financial history traditionally preferred by lenders.
Research question
Could consented transactional, operational and financial activity provide institutions with a richer understanding of SME financial behavior?
What the prototype explores
- Alternative financial data
- SME operating activity
- Consent-based data collection
- Bank-statement analysis
- Merchant financial profiles
- Credit-readiness indicators
- Institutional dashboards
- Decision support
- Data-provider integrations
M2 Data is a prototype. It has not received regulatory approval, has not been deployed by a financial institution, and has not been validated as a credit-risk model.