Credit Intelligence Software for Banks & MFIs
Credit decisions institutions can explain — individuals, retailers, and institutions scored with policy versioning, facilities, and underwriter override, billed as an add-on (included on Enterprise).
The problem
- Spreadsheet underwriting cannot produce a consistent, examiner-ready rationale.
- Card and loan limits drift from eligibility when soft-gates are missing.
- Working-capital and facility products need segment-aware sizing, not a single retail score.
What Sika gives you
Segment scoring
Individuals, retailers, and institutions with product-aware paths.
Approve / refer / decline
Policy-versioned outcomes with factor lists staff can defend.
Loan soft-gate
Declines block approval unless an audited override with notes is recorded.
Card soft limits
Virtual-card daily limits soft-capped from card eligibility when the module is on.
Revolving facilities
Open, draw, repay, freeze, close, and accrue interest on linked accounts.
Bureau port
Optional stub or HTTP bureau enrichment beside internal signals.
Staff AI brief
Credit-intelligence briefs for underwriters in the AI console.
Notifications
Assessed, declined, facility draw, and repay events for customers and staff.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.
How it works
Four steps, all on a single audited core banking ledger.
- 1
Assess
KYC, tenure, debt, income, risk, and optional bureau signals feed a rules engine.
- 2
Decide
The engine returns approve, refer, or decline with band, score, and factors.
- 3
Gate
Loan approval and card limits respect the decision; overrides are audited.
- 4
Facility
Approved or referred cases can open revolving facilities with ledgered draw and repay.
Credit Intelligence: FAQ
Is Credit Intelligence included in every plan?
No. It is a paid add-on on Launch, Scale, and Community. Enterprise includes Credit Intelligence. Probitas and Tumi are separate premium add-ons and are never included in Enterprise.
Does Credit Intelligence replace core lending?
No. Origination, maker-checker, disbursement, and repayments stay in every plan. Credit Intelligence is the premium decision and facility layer on top.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.