AI-powered credit scoring solution for underbanked segments in Asia.

Moliy.AI is the first national startup and the next-generation of AI-powered credit scoring platform designed for emerging markets 🌍 - starting from Uzbekistan 🇺🇿. While millions of people are financially active, they remain invisible to traditional lenders due to lack of official income, credit history, or collateral.

How Moliy.AI Works

Our AI-powered credit scoring process transforms alternative data into actionable insights for smarter lending decisions.

Data Collection

We gather alternative data — telecom activity, utility payments, purchase intent, asset ownership, and local economic signals.

Preprocessing

Data is cleaned, validated, and structured for high-quality AI input.

AI/ML Scoring

Our machine learning models analyze patterns to predict creditworthiness, even without formal history.

Smart Decisions

Lenders receive clear scoring and insights to approve more clients with less risk.

✓

Result

Safer, faster lending. More financial access for the underbanked.

Use cases

BNPL organizations

Operational Efficiency

Improve operational efficiency by automating the credit assessment process, reducing manual review times, and optimizing resource allocation.

Risk Management

Assist BNPL providers in assessing the risk associated with extending credit to individuals without traditional credit histories or collateral.

Inclusive & Secure Lending

Expand credit access with AI-driven scoring that uses alternative data, while detecting fraud through real-time risk pattern analysis.

Personalized Offers

Enable BNPL providers to offer personalized credit limits and terms based on individual financial behaviors and risk profiles.

Financial institutions

Credit Access for the Unbanked

Assess creditworthiness using alternative data (e.g., personal assets, mobile usage, utility bills) to serve individuals without formal credit history.

Instant Loan Decisions

Automate approvals for MFIs, enabling faster onboarding and reduced manual processing.

Inclusive & Secure Lending

Expand fair access to credit while detecting fraud in real time using behavioral and transactional analysis.

Delinquency Prediction

Predict late payments or defaults early, helping lenders take proactive measures and reduce risk.

Scheduled Development

Additional Data Points

EGov services, Taxes, Bills
Telecom Operators
Social Influence (Offline and Online)
GPS Location

Client Monitoring

Client became suddenly stable and profitable.
Business needs to update the information from the client in order not to lose him/ her.

Loan Marketplace

Client is willing to choose from several MFI, BNPL shops to compare the service and convenience.
MoliyAI can provide a marketplace for both Businesses and Clients to meet each other.
*Database is secured

Business Lending

Banks still struggle to provide a loan for a business, because human factor exists.
MoliyAI can analyze all necessary documents required for loan review faster than any Loan Officer.