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Credit history already exists. It just sits in the wrong place.
Ethiopia's savings and credit cooperatives hold years of savings, share and repayment records for millions of members. None of it reaches a credit bureau, so a member who has repaid every loan for a decade still looks invisible to a bank.
At Amani Solutions we built the pipeline that turns those cooperative records into explainable scores, with reason codes a loan committee can read out to a member. Our first pilot, with Ngat SACCO in Addis Ababa, ingested 490 member records and scored 374, at a Gini of 0.75.
The hard part was not the model. It was mapping the data, matching members across paper registers, Excel ledgers and the government's new cooperative records platform, and choosing a target when the book had no defaults at all.
If you lend to people with thin files, from cooperatives to mobile money users, this is the kind of work I do.
Reconcile to the trial balance as an ingest gate is what makes the rest trustworthy, and matching members across paper registers, Excel ledgers and the CRMS platform is the real work here. For the paper registers, are you running OCR, or is the identity match done on a key...
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18 automated tests
Tallisto: brand identity for an AI accounting SaaS that closes the monthly books. A concept project.
The mark comes from a medieval tally stick. In 12th-century England a debt was recorded by cutting notches into a stick, then splitting it in two. Each side kept a half, and if the halves matched, the books agreed.
That is what Tallisto's agent does. It matches every bank line to the ledger, and a person signs it off. So the logo is two sticks, the stock and the foil, carrying the same two cuts.
One rule holds the system together: Lamp Green only appears where a person has approved the agent's work. It's never used on buttons or as decoration.
The rest is calm on purpose. Ink and Paper as the base, Instrument Sans for words, JetBrains Mono for figures, and a "ledger of tallies" pattern that never sits behind text. You can see it here on the website, the close dashboard, a mobile sign-off screen, business cards, an office wall and an Underground poster.
Would a finance team trust a tool more if its logo had a reason behind it, or do they only care about the numbers?
I design brand identities and build them into Webflow sites. Open to SaaS and fintech projects.
The tally stick story is the kind of thing a founder retells in every investor meeting, that's a brand doing sales work. "Lamp Green only where a person approved" is my favourite rule here, and it would carry beautifully into a board report too: green only on the numbers that are signed off.