View Analysis Report

• Go to the designated section and select the analysis you wish to view by entering the client's name or the last three digits of their phone number.
• Click on the 'view' button to access the full analysis report.
• The first section of the report will display the profile information, which includes the individual's phone number, ID number, email address, any other detected phone numbers, document type, generated date, and more.

Summary:

The summary provides an analysis breakdown, including the individual's affordability (total inflows vs. outflows) with graphical and chart representations, peak inflow dates, ratios, monthly breakdowns, short-term and long-term scores, risk levels, the highest loans received, and the recommended loanable amount.

Financial Institutions:

This section details the individual's interactions with various financial institutions, divided into eight subcategories:

• Safaricom-based loans, e.g., Mshwari, KCB M-Pesa, and Fuliza.
• Government digital loans, such as the Hustler Fund.
• International remittance.
• Banks: All banks the individual has engaged with, including account numbers and the most significant transactions both received and sent.
• MFIs: All microfinance institutions the individual has dealt with, detailing loans received, repayments, and spending patterns of the received funds.
• Mobile lenders: The individual's dealings with other mobile lending services, showing trends, total amounts received, and repaid over the statement period.
• Saccos: The individual's interactions with Saccos, including total and highest transactions made and received, along with the frequency.
• Insurance: The individual's dealings with insurance agencies throughout the statement period.

Lifestyle:

This category reflects the individual's behavioral patterns, including their betting habits, educational payments to learning institutions, interactions with fuel stations, shopping at outlets like supermarkets, malls, and other stores, hotel engagements, entertainment activities involving wines, spirits, and pubs, healthcare and pharmacy interactions, online shopping from platforms like Jumia and Kilimall, and visits to beauty service providers such as spas, barber shops, salons, and massage parlors. It also covers places of worship attended during the statement period.

Utilities:

This includes all services the individual pays for, such as electricity (KPLC), water and sewerage services, DSTV, etc.

Transactions

This section is organized into three subcategories: the first includes all agents with whom the individual has had financial interactions during the statement period, detailing top deposits and withdrawals, frequency of transactions, and unique agents encountered; the second, Person To Person (P2P), lists all individual interactions within the statement period; and the third, Paybill & Buy Goods, encompasses all Business to Customer (B2C) transactions, highlighting the top transactions, as well as Customer to Business (C2B) transactions, including Paybills and Buy Goods, with a focus on the most significant transactions.

Location classification

Indicates all the locations the individual has transacted in across the period of the statement.