Lalikan turns informal savings into actionable credit data. Our infrastructure enables financial institutions to serve millions of new clients they cannot currently assess.
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Lalikan is a financial technology (fintech) company. We do not lend money. We provide microfinance institutions, banks, and fintechs with the infrastructure and credit scores they need to serve 70% of West Africa’s economy that operates outside the formal banking system.
Our platform digitizes informal savings collectors (tontines, susu, ajo) and turns their notebooks into verified, reliable, compliant credit histories.
Our solution
In West Africa, tontines achieve repayment rates that often exceed 90%. Yet millions of these savers have no formal credit history. Lalikan captures this data and turns it into credit scores that financial institutions can use today.
Our markets
We serve the West African markets – Côte d’Ivoire, Senegal, Burkina Faso, Benin, Togo, Mali, Niger, Guinea-Bissau, Nigeria and Ghana – with infrastructure built for on-the-ground realities.
Lalikan does not lend money. We provide financial institutions the infrastructure they need to serve millions of new clients.
The collector records contributions via the Lalikan app – even offline.
Data is consolidated to create a verified 12-month savings history.
Our algorithm generates a reliable credit score (0 to 100) based on savings regularity, tenure and other information.
Financial institutions use this score to confidently lend to previously invisible populations.
Lalikan is a SaaS built for financial institutions (MFIs, banks, fintechs). We don’t sell loans. We sell the data and scores that enable safe lending to populations that were previously invisible.
Small MFIs / cooperatives (≤ 2,000 clients)
Growing MFIs (2,000 – 10,000 clients)
60-day free pilot – risk-free, no commitment.
Every month, receive our analysis on financial inclusion, alternative data, and credit trends in West Africa. Direct from our Observatory.
