Factfin is a data-led consulting firm that builds practical credit and risk solutions. We specialise in working with financial institutions, fintechs, and development agencies to turn commercial and operational data into actionable tools—especially in environments where traditional credit information is limited or absent.

Our expertise lies in designing and implementing credit scoring frameworks, MVP lending pilots, and embedded finance products that bridge the gap between informal market behaviour and formal financial services. By leveraging transactional and behavioural data—such as distributor sales, mobile money activity, or invoice payments—we help clients better understand their customers and unlock new credit pathways.

From developing predictive machine learning scores for digital lenders to launching trade credit pilots with global brands, Factfin delivers data solutions that are grounded, measurable, and designed for scale. Our work has supported clients across Southeast Asia and Australia to move from exploratory ideas to operational lending products that deliver impact.