Lagos, Nigeria — November 2025 — The team behind a groundbreaking AI credit intelligence solution has been named Runner-Up Winner at the highly competitive Zenith Bank Hackathon 2025, securing recognition for one of the most innovative fintech products showcased at the event.
During the 3-day development sprint held in Lagos, the team presented Zenith IntelliScore, a next-generation, AI-powered alternative credit scoring engine designed specifically for banks and financial institutions seeking real-time, data-driven lending decisions.
Alongside the enterprise solution, the team also unveiled CreditScore.Africa — a consumer-facing platform built to empower individuals and businesses with transparent, behaviour-based credit insights. CreditScore.Africa enables users to upload statements, understand their credit standing, track financial trust indicators, and access personalised tips to improve their score.
Introducing Zenith IntelliScore — AI Credit Scoring for Banks
Zenith IntelliScore transforms the traditional loan assessment workflow by analysing patterns in customer behaviour using:
- Secure bank statement ingestion
- AI-powered feature engineering
- Behavioural and transactional analytics
- 90-day probability of default modelling
- SHAP-driven explainability for regulator-ready transparency
- Real-time scoring API for digital lending platforms
Built to support banks’ credit and risk teams, IntelliScore delivers fair, fast, and scalable scoring without relying solely on traditional bureau data.
Introducing CreditScore.Africa — Credit Empowerment for Individuals & Businesses
While the bank-facing IntelliScore strengthens institutional lending systems, CreditScore.Africa brings that same intelligence to everyday Nigerians.
Users can now:
- Instantly see their personalised credit trust score
- Understand the reasons driving their score (positive or negative)
- Track inflows, spending patterns, utility behaviour & financial consistency
- Improve their financial credibility with guided recommendations
- Join a waitlist for early access to credit-building tools
The platform is designed to serve both personal users and small businesses, especially those operating outside traditional credit structures.
🔗 Visit: https://creditscore.africa to join the waitlist
A Milestone for Nigeria’s Credit Innovation Wave
Speaking after the announcement, the team expressed gratitude to Zenith Bank, Beyond Limits, and the hackathon mentors for their support.
“Our goal is simple: bring intelligence, fairness, and transparency into credit scoring across Africa. Zenith IntelliScore gives banks the accuracy and confidence they need, while CreditScore.Africa gives everyday Africans the power to understand and improve their financial trust. Winning Runner-Up at Zenith Hackathon is validation that the future of credit is behavioural, AI-driven, and accessible to all.”
The Zenith Tech Conference will further showcase the top five finalists on November 20, 2025.
About the Zenith Bank Hackathon 2025
Hosted by Zenith Bank Plc and Beyond Limits, the hackathon brings together Africa’s brightest innovators to build transformative financial solutions across digital banking, credit systems, SME enablement, fraud prevention, and AI-powered personalization.
The event provides mentorship, strategic partnerships, and funding opportunities for emerging technology teams building Africa’s next generation of fintech products.
For More Information
Press Contact:
press@creditscore.africa
Product Website:
https://creditscore.africa
Enterprise Version:
Zenith IntelliScore (Demo available upon request)
Watch the pitch here:
https://www.youtube.com/watch?v=walI35S4J38
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