Shift Finance

Decisioning and risk for African balance sheets.

For CROs, heads of credit, heads of fraud and CFOs. Not general accounting automation.

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The problem

About US$57.8bn was lost to scams and cyber fraud across Africa in 2025; 68% of adults were targeted. 81% of South African banking leaders put annual fraud losses above US$5m.

Source: TransUnion H1 2025 · BioCatch · McKinsey · GSMA 2025

How it works

Input

Live traffic in shadow mode beside incumbents. Never rip-and-replace on a promise.

The tool

Scoring, monitoring and an explainability pack against a quantified loss baseline.

You get

Measured lift that becomes the business case for production licensing.

Features

Fraud stack review

Credit decisioning

Shadow-mode prove-out

Explainability pack

Supervisor-ready audit trail

In-country residency option

Integration and data residency

Regulated tier: in-country residency, explainability pack, supervisor-ready audit trail. Price against recovered losses, not seats. Above US$5m annual fraud loss, a six-figure licence is a rounding error.

Pricing

Diagnostic

Fixed-fee review of the fraud and credit stack, with a quantified loss baseline.

Decisioning

Production scoring and monitoring, licensed annually per portfolio or decision volume.

Regulated

Residency, explainability, supervisor-ready trail.

Book a diagnostic

Book a diagnostic