What we do

Confirmu is a data analytics startup whose mission is to enable lenders score people with no financial history through alternative credit scoreing. Our Credit Score as a Service for lenders is given in a form of a Mobile SDK or as a white label solution. Unfortuneatly new-to-credit people and people with no credit history are excluded from access to credit,therefore the only way to create some sort of creditworthiness profile is to create an online interaction with them using mobile data and an engaging enjoyable questionnaire. This will enable lenders to understand who their potential borrowers are and help borrowers get access to credit.

Our scoring analysis is a hybridized model that captures an unbanked person's payment history through two channels:

Geolocation Extracting geolocation history movements for tracking recurring patterns
Payments history through digital apps. we build a financial profile based on the persons payments history
Conversational User interface Text replies in a form of a mobile Chatbot that gives the lender an indication of applicants " willingness to repay a back loan.
Potential Employement opportunities- through social media. We build a risk profile based on the persons current employment ,education ,skill set and open positions nearby an outstanding risk that help lenders evaluate better likelihood of default
Voice for Credit risk scoring analytics Use of voice detection for predicting fradulent patterns

Our Media

Currently, many people in developing countries get their salary paid in cash,
after which they convert it to a prepaid card.

An app that finds out how bankable are the 'un-banked'

Yatir Zaluski had developed a mobile app to help un-banked customers or those with no credit history build a credit score and get funds from the traditional banking and finance system. He realised that his home market, Israel, was too small and that he would be better off targeting larger markets such as the BRICS – Brazil, Russia, India, China and South Africa.

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ConfirmU gained in the past year recognition from well know financial institutions like: CITIBANK T4I accelerator and not too long ago shortlisted and received prize from Singapore Fintech hackcellerrator.


Our advanced mobile SDK enables lenders to benefit from advanced Machine Learning algorithms which can save them money and more accurately assess the credit scores of potential customers.

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Contact Us

Get in touch and we'll get back to you as soon as we can. We look forward to hearing from you!

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    140 Robinson Road, Singapore , Singapore

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