AI4Inclusion MVP Preview

Bridging the unbanked to formal finance through AI-powered alternative credit scoring.
Access loans, insurance, climate emergency funds & more — powered by VSLA activity, financial literacy & mobile money history.

USSD Access WhatsApp AI Blockchain Verified Mobile Money

User Journey: From Exclusion to Financial Empowerment

How AI4Inclusion transforms lives through accessible technology (Pilot: Northern Uganda)

Discovery & Access

Meeting users where they are - no smartphones or internet required

📱

USSD Access

*384*55534#

Works on any phone, even without internet. Dial the code to access all services instantly.

✓ 100% offline ✓ Any phone ✓ Free to use

💬

WhatsApp AI Bot

+1 (415) 523-8886

AI-powered conversational assistant in English & Acholi. Natural language understanding.

✓ AI-powered ✓ Bilingual ✓ 24/7 available

🌐

Web Portal

ai4inclusion.asatlabs.dev

Full platform access for partners, MFIs, SACCOs, and users with internet connectivity.

✓ Partner Dashboard ✓ Analytics ✓ API Access

User Personas

Designed for the diverse needs of rural Ugandan communities

👩‍🌾

Mary - Smallholder Farmer

📍 Gulu District

Challenge: Seasonal income, no credit history, excluded from formal banking

Solution: USSD access, VSLA membership, gradual credit building through savings consistency

Credit Score: 72 Loan Eligible

👨‍💼

Patrick - Boda Rider

📍 Lira Town

Challenge: Daily income, wants to own his motorcycle, no collateral

Solution: WhatsApp bot for daily savings tracking, Learn & Earn modules, transaction history

Savings: UGX 2.4M Asset Finance

👩‍👧

Grace - VSLA Leader

📍 Kitgum District

Challenge: Managing 30 members, paper records, loan tracking difficulties

Solution: Digital VSLA management, member verification, automated contribution tracking

30 Members Verified 100% Tracked

The Financial Inclusion Journey

Step-by-step pathway from registration to financial empowerment

📝

Registration

Simple signup via USSD or WhatsApp. Name, phone, location, gender - under 2 minutes.

Creates User Profile with baseline credit score of 50

→

📚

Learn & Earn

Complete financial literacy modules on savings, budgeting, loans, and business.

+10 points to credit score, earn rewards

→

👥

Join VSLA

Self-report or get verified membership in Village Savings group.

Verified members get 1.5x credit score multiplier

→

💰

Save Regularly

Weekly/monthly contributions via MTN or Airtel Mobile Money.

Builds savings history, improves financial behavior score

→

📊

Build Credit Score

Score increases based on engagement (40%) and financial behavior (60%).

Score 0-100: Low Risk (70+), Medium (40-69), High (<40)

→

🏦

Access Credit

Apply for microloans from partner MFIs/SACCOs based on verified credit profile.

UGX 50,000 - 5,000,000 based on score and history

User-Controlled Data Consent

Users own their data and control who can access their financial profile

Behavioral Credit Scoring Model

Alternative credit scoring for the unbanked - no traditional credit history required

Base Score

50 points

Every new user starts with a baseline score upon registration

Activity Score (40%)

0-20 points

Engagement Days: Days active in last 30 days (0-10 pts)
Learning Modules: Financial topics completed (0-10 pts)

Financial Score (60%)

0-30 points

Savings Regularity: Consistency of deposits (0-15 pts)
Repayment Rate: Loan repayment history (0-15 pts)

Total Credit Score

0 - 100

70-100: Low Risk ✓ 40-69: Medium Risk 0-39: High Risk

1.5x

VSLA Verification Multiplier

Verified VSLA members receive a 1.5x multiplier on their financial behavior score, recognizing the trust and accountability of group membership.

⛓️

Blockchain-Verified Transparency

Immutable records on Polygon blockchain ensure trust and accountability

🔐

Credit Score Verification

Every credit score is hashed with SHA-256 and recorded on-chain. Partners can independently verify scores without accessing personal data.

SHA-256 Hash + Polygon Network

📜

Transaction Immutability

All financial transactions (loans, repayments, VSLA contributions) are permanently recorded, creating an auditable trail.

Web3.py + Smart Contracts

🔍

Public Verification

Anyone can verify records on Polygonscan explorer using the transaction hash - no special access required.

Polygonscan Explorer

Credit score calculated

→

Data hashed (privacy preserved)

→

Hash recorded on Polygon

→

Partners verify via explorer

Why Polygon? Low gas fees (~$0.001/tx), fast confirmations (2 sec), Ethereum security

Privacy First Only hashes stored on-chain - personal data never leaves our secure servers

🌦️

Climate Resilience & Weather-Indexed Insurance

Protecting smallholder farmers against climate shocks with parametric micro-insurance

🌍 70% of Ugandan farmers affected by climate shocks annually

💔 0% have access to traditional crop insurance

✨ AI4I bridges this gap with parametric weather insurance

🌦️

Weather-Indexed Micro-Insurance

Automatic payouts triggered by weather data - no claims process needed

☀️ Drought Protection Rainfall < 50mm/month

🌊 Flood Protection Rainfall > 300mm/month

🔥 Heatwave Protection Temp > 35°C for 14+ days

Monthly Premium UGX 5,000

Max Payout UGX 50,000

Payout Speed Instant via Mobile Money

🆘

Emergency Climate Loan

Rapid-access credit when climate events strike - verified via weather API

✓ Automatic eligibility during verified climate events

✓ Lower interest rates than standard loans

✓ Flexible repayment aligned with harvest cycles

✓ No collateral required for VSLA members

Loan Range: UGX 50,000 - 500,000

How Parametric Insurance Works

📱

1. Enroll via WhatsApp/USSD

Type "weather insurance" to enroll. Select coverage and pay premium via Mobile Money.

→

🛰️

2. Real-Time Weather Monitoring

Weather data from global monitoring networks (OpenWeatherMap, TAHMO) tracks rainfall, temperature & conditions in your district.

→

⚡

3. Automatic Trigger Detection

When weather crosses threshold (e.g., drought detected), payout is triggered automatically.

→

💰

4. Instant Mobile Money Payout

Funds sent directly to your MTN/Airtel wallet within 24 hours. No paperwork!

📊

Climate Resilience Boosts Your Credit Score

Insurance enrollment adds +2 points to your credit score, demonstrating financial responsibility and risk management to lending partners.

+2 pts Credit Score Bonus for Insurance Enrollment

Projected Impact

Year 1 targets based on pilot studies and regional benchmarks

👥

5,000+

Target users in Year 1 (Pilot: Northern Uganda)

📈

70%

Expected credit score improvement rate

💵

UGX 500K

Average first loan size (approx. $135 USD)

📱

70%

Expected USSD adoption (feature phone users)

🏘️

50+

VSLA groups to be digitized

🌦️

Districts with weather monitoring coverage

Built on Enterprise-Grade Open Source

Frappe

Framework

ERPNext

ERP System

🔓

100% Open Source

No vendor lock-in. MIT licensed. Full code transparency and community-driven development with 15,000+ GitHub stars.

⚡

Rapid Development

DocType system enables building complex applications in days, not months. Built-in ORM, REST API, and WebSocket support.

🔐

Enterprise Security

Role-based access control, field-level permissions, audit trails, and two-factor authentication out of the box.

📊

ERPNext Integration

Seamless integration with accounting, HR, inventory, and CRM modules. Complete financial management ready.

🌍

Multi-Language & Multi-Currency

Built-in localization for 100+ languages. Perfect for Uganda's multilingual communities (English, Acholi, Luganda).

📱

Mobile-First Design

Responsive UI works on any device. Progressive Web App support for offline functionality in low-connectivity areas.

15K+

GitHub Stars

1M+

Active Users

70+

Countries

10+

Years Mature

"We didn't reinvent the wheel - we built on a proven foundation trusted by enterprises from startups to Fortune 500 companies."

Try Our MVP Features

Interactive USSD Simulator - 38455534#

*384*55534#

Type your response and press Enter or click Send

📋 Menu Structure

1. Register - Individual, VSLA, or SACCO
2. Learn & Earn - Financial literacy courses
3. Check Score - View your credit score
4. Save Money - VSLA operations
5. Request Loan - Apply for microloans
6. Help - Support & contact info

🎮 How to Use

Use number keypad for menu selections
Text keyboard appears for name/text entry
Press OK/Send to confirm
Enter 0 to go back
Enter 00 to return to main menu

📜 Session Log

Session started...

USSD Webhook Endpoint

POST /api/method/ai4inclusion.ai4inclusion.api.ussd_handler.ussd_callback

Parameters: sessionId, serviceCode, phoneNumber, text
Provider: Africa's Talking | Response: CON (continue) or END (terminate)

WhatsApp AI Assistant

Chat with our AI-powered assistant. Supports English and Acholi.

🤖

Welcome to AI4Inclusion! 💼

I can help you with:
✅ Check Credit Score
✅ VSLA & Savings Groups
✅ Mobile Money Services
✅ Loan Applications
✅ Financial Education

Try the quick buttons above or type your message!

AI Financial Advisor

Ask our AI anything about savings, credit, business, or VSLAs. Live API integration!

🧠

Hello! I'm your AI financial advisor powered by Google Gemini.

Ask me about:
💰 Budgeting & Savings Tips
📈 Building Credit Score
🏪 Starting a Business
👥 VSLA Benefits
💳 Loan Eligibility

What would you like to know?

Platform Demo Access

Explore the platform with these demo credentials

👤 User Account Access

View pending consent requests and manage your data permissions

Email
demo.user@ai4inclusion.ug

Password
Demo@2025

Go to Login Page

3 Pending Consent Requests
From MFIs/SACCOs waiting for your approval

🏦 Partner Portal Access

Access the MFI/SACCO dashboard to request user consent and view credit data

Email
demo.partner@ai4inclusion.ug

Password
DemoPartner2024