Introduction When a loan officer at Ecobank Ghana or Fidelity Bank asks a colleague "What's the score?" they're rarely discussing the Black Stars' latest football match.
Instead, they're likely referring to a loan applicant's credit score-a crucial metric in the evolving African financial landscape.
Credit scoring, a statistical method that predicts the probability of loan default or delinquency, arrived relatively late to Africa compared to Western markets but has rapidly transformed lending practices across the continent.
For Ghana specifically, with its growing middle class and vibrant entrepreneurial ecosystem centered in Accra and Kumasi, credit scoring represents both an opportunity and a challenge.
