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Retail banks

AI credit decisioning for retail banks.

Konan is a no-code credit decisioning platform. Your risk team builds, tests and deploys credit policies, without waiting on IT.

Konan decision flow: a new application passes eligibility rules, bureau and alternative data, and an AI risk score, then is approved, sent to manual review or declined

Partnering with leading banks, lenders, fintechs.

Bank al Etihad logoMaxikash logoKashier logoContact Company LogoSouhoola company logoforsa company logoRaya company logoWasla company logoAman company logoabou ghaly company logoMada logo
Bank al Etihad logoMaxikash logoKashier logoContact Company LogoSouhoola company logoforsa company logoRaya company logoWasla company logoAman company logoabou ghaly company logoMada logo
Local markets

Built for the markets you lend in.

Banks and lenders across Latin America, the Middle East and Africa run on Konan.

Konan in Latin America and the Middle East and Africa: alternative data, thin-file scoring, open banking via Lean, iScore in Egypt, with on-premise, private, sovereign cloud or air-gapped deployment

Why retail banks choose Konan.

No-code policies

Launch products without waiting on IT

Risk teams change policies and launch products themselves.

✓
Edit credit rules in a visual editor
✓
Simulate on past decisions before go-live
✓
Cut time-to-market for new products
A draft personal loan policy with four rules, simulated on past applications before deploying
Real-time monitoring

See risk shift as it happens

Track performance live and fix what drifts, fast.

✓
Approvals, bad rates and volumes, live
✓
Alerts when a segment drifts
✓
Every decision logged for audit
Live approval rate, bad rate and decision volume tiles with two portfolio alerts
Alternative data

Approve thin-file customers

Score applicants with little or no credit history.

✓
Telecom, utility and device data in scoring
✓
Tailored products for underserved segments
✓
Wider access without higher default risk
Bureau, open banking, telecom, utility and device data combining into an AI risk score

Frequently asked questions

Can Konan be deployed on-premise?

Yes. On-premise, in a private, public or sovereign cloud, or air-gapped. The models run inside your infrastructure.

Can risk teams change credit policies without IT?

Yes. They build policies in a no-code editor and test them on past decisions before going live.

Is every decision explainable for audit?

Yes. Every automated decision is logged with the rules and scores behind it.

Which data sources can Konan use?

Credit bureaus, open banking, device data, and alternative data such as telecom and utility records.

Modernize retail banking

See Konan run on your own lending flows.

Request a demo