Mathal is a credit underwriting and risk engine. It turns thin-file and alternative data, cash flows, transactions, behavior, into fast, explainable lending decisions that a risk team can actually defend.
Most lenders in the region either reject anyone without a long credit history or approve on gut feel. Mathal scores the borrowers the old models miss, returns a clear reason for every decision, and exposes it all through one API so a lender can go from application to decision in seconds.
In active development: the scoring core, the data connectors, and an explainability layer that shows exactly why a score moved.