Indicina is a financial technology company based in Africa, focused on revolutionizing credit access through data-driven solutions. It was founded in September 2017 by Yvonne Johnson, Jacob Ayokunle, Carlos Del Carpio, and Yemi Ajao.

The company provides credit infrastructure that enables lenders to make better-informed decisions. This approach addresses the challenges of traditional credit systems, particularly in underbanked regions.

Indicina's platform offers a comprehensive suite of tools that analyze various data sources to assess creditworthiness, reducing the reliance on conventional credit scoring methods. This innovation not only broadens access to credit for individuals and businesses but also enhances the efficiency and accuracy of the lending process.

With a commitment to financial inclusion, Indicina aims to empower both credit providers and consumers, fostering economic growth and development across Africa.

Our Mission

To accelerate economic inclusion for African Citizens.

Our Vision

Indicina envisions a financially inclusive Africa where every individual and business has access to fair and efficient credit opportunities.

Core Values

Indicina stay accountable with the following core values:

1. Excellence: Our prowess within the digital credit and banking is second to none. We aim to gather the most exceptional talent and train them accordingly to meet up to our elevated standards.
2. Empathy: At Indicina, we have a natural affinity for credit and the power it has to unlock our economy and improve our everyday lives. We apply that in all our customer engagements in order to get strong feel for our customers' requirements so that we can meet them at their point of needs.
3. Prowess: We pride ourselves on being highly creative individuals. We apply this creativity to all aspects of our solution delivery in order to provide the most optimum results.
4. Total Accountability: At Indicina, we hold our team accountable for achieving their Goals.
5. Can Do, Will Do Mindset: At Indicina, Can do, will do mindset is the single most important ingredient to achieve anything.

Services We Provide

The company provides the following services:

• Credit assessment and scoring
• Data analytics and machine learning models
• Financial data aggregation
• Lending decision support tools
• Credit risk management solutions

Through products such as:

1. Originate: A digital platform for managing the entire loan lifecycle, from application to collection.
2. Decide: A credit decisioning tool with models for assessing financial capacity via dashboard or API.
3. Custom Form Builder: A feature within Originate allowing lenders to create tailored loan application forms.

Business Model

Indicina operates on a B2B (business-to-business) model, offering its credit infrastructure and data analytics tools to financial institutions, including banks, microfinance institutions, and other lenders.

These institutions use Indicina's platform to enhance their credit evaluation processes and expand their lending capabilities.