Nigeria - Startup under 3 years old

Décrivez votre projet en quelques mots

TriadCredit integrates data from three major credit bureaus (CRC, Credit Registry, and FirstCentral) to provide comprehensive credit histories, enabling well-informed lending decisions for financial institutions.

01.01 Décrivez votre startup en détail

Dikript is a strategic partner specializing in streamlining customer onboarding, facilitating Know-Your-Customer (KYC/KYB) procedures, and assessing creditworthiness. We integrate data from multiple sources, including the National Identity Management Commission (NIMC), and collaborate with various KYC service vendors to ensure comprehensive and accurate results. Our offerings include NIN Validation, BVN-NIN Linkage, and access to applicants' credit histories from all three major credit bureaus. We provide services through APIs and web platforms, tailored to meet the needs of large corporations and financial institutions. Our solutions are designed to enhance compliance, improve operational efficiency, and support better decision-making processes.

01.02 Quel est le problème principal que vous essayez de résoudre ?

Dikript addresses the challenge of Trust - verifying and validating customer identities, which is critical for financial institutions to comply with regulatory requirements and mitigate risks. Traditional single-source verification methods often result in incomplete or inaccurate data, leading to potential fraud and financial losses. By integrating multiple data sources, including the National Identity Management Commission (NIMC) and major credit bureaus, Dikript provides a comprehensive and accurate view of an individual's identity and creditworthiness. This multi-source approach ensures that institutions can make well-informed decisions, enhance compliance, and streamline their onboarding and verification processes.

01.03 Dites-nous quels sont les principaux avantages et/ou bénéfices de l'utilisation du produit/service fourni par votre startup (au moins 3).

Comprehensive Data Integration: We offer a holistic approach by integrating data from multiple sources, including the National Identity Management Commission (NIMC), and collaborating with a network of KYC service vendors. Unlike competitors who may rely on limited or single-source data, our multi-source strategy ensures you receive comprehensive and accurate results every time. Enhanced Compliance: Our solutions help institutions comply with regulatory requirements by providing thorough and reliable verification processes, reducing the risk of non-compliance and associated penalties. Improved Decision-Making: By offering access to comprehensive credit histories and robust identity verification, Dikript positions itself as a single link, enabling institutions to make better-informed lending and customer onboarding decisions, reducing the risk of fraud and financial losses.

01.04 Veuillez décrire précisément à qui s'adresse le produit/service de votre startup. Quels sont les bénéficiaires visés ?

Banks and Financial Institutions: To enhance their KYC/KYB processes, improve credit assessment accuracy, and comply with regulatory mandates. Corporations: Particularly those involved in lending, insurance, and other customer-centric services that require reliable identity verification and creditworthiness assessment. Unbanked Individuals: Through our PhoneNIN service, we aim to provide unbanked individuals with access to financial services by verifying their identities using their phone numbers.

01.05 Quand votre entreprise a-t-elle été créée ?

19/07/2023

01.06 Vendez-vous déjà votre produit/service ?

Oui

01.07 Combien y a-t-il de propriétaires de votre entreprise en plus de vous ?

2

01.08 Parmi les autres propriétaires, combien sont des femmes ?

1

01.09 Veuillez décrire le profil des autres propriétaires de votre startup (compétences, expérience, etc.).

Co-Founder and CTO - Timilehin Oladunni: Skills: Expert in software development, systems architecture, and cybersecurity. Experience: Over 7 years of experience in the tech industry, previously led development teams at leading tech companies, and has successfully launched multiple enterprise-level solutions. Co-Founder and COO - Eloho Edebiri: Skills: Operations management, process optimization, and business strategy. Experience: With 12 years of experience in operations and business development, Eloho has a proven track record of scaling startups and enhancing operational efficiency. Co-Founder and Head of Partnerships - Emmanuel Ogude: Skills: Partnership development, strategic alliances, and market expansion. Experience: Emmanuel (aka; Kante of Sales) has over a decade of experience in forging strategic partnerships across various industries, including finance and tech.

01.10 Si vous avez un site web, une page sur les médias sociaux (Facebook, Instagram, Linkedin...) ou une application, veuillez fournir le(s) lien(s) ici :

dikript.com

01.11 Quel est le secteur d'activité qui décrit le mieux votre entreprise ?

Technologies de l'information (services numériques, équipements et logiciels)

02.01.01 Ma startup contribue à l'objectif 'Pas de pauvreté'

7 - tout à fait d'accord

02.01.02 Justification de la contribution de ma startup

Dikript contributes to the goal of ending poverty by facilitating financial inclusion through its services. By providing comprehensive identity verification and credit assessment solutions, Dikript enables financial institutions to expand access to financial services to underserved populations, including the unbanked. This fosters economic empowerment and reduces barriers to financial inclusion, ultimately contributing to poverty alleviation.

02.02.01 Ma startup contribue à l'objectif 'Faim Zéro'

2

02.02.02 Justification de la contribution de ma startup

02.03.01 Ma startup contribue à l'objectif 'Bonne Santé et Bien Être'

5

02.03.02 Justification de la contribution de ma startup

Dikript contributes to the goal of good health and well-being by promoting financial stability, which is closely linked to overall well-being. By enabling financial institutions to make informed lending decisions through our identity verification and credit assessment services, we support individuals in accessing financial resources for healthcare expenses, thus contributing to improved health outcomes. Additionally, our services help mitigate financial risks for individuals and institutions, reducing stress and promoting overall mental well-being.

02.04.01 Ma startup contribue à l'objectif 'Éducation de Qualité'

4

02.04.02 Justification de la contribution de ma startup

02.05.01 Ma startup contribue à l'objectif 'Égalité entre les Sexes'

6

02.05.02 Justification de la contribution de ma startup

Dikript contributes to the goal of gender equality by promoting financial inclusion, which is essential for empowering women and girls. Our services enable individuals, including women, to access financial resources and participate more actively in economic activities. By providing comprehensive identity verification and credit assessment solutions, we help break down barriers to financial services faced by women, thus contributing to their economic empowerment and fostering gender equality.

02.06.01 Ma startup contribue à l'objectif 'Eau Propre et Assainissement'

1 - pas du tout d'accord

02.06.02 Justification de la contribution de ma startup

02.07.01 Ma startup contribue à l'objectif 'Énergie Propre et Abordable'

1 - pas du tout d'accord

02.07.02 Justification de la contribution de ma startup

02.08.01 Ma startup contribue à l'objectif 'Travail Décent et Croissance Économique'

6

02.08.02 Justification de la contribution de ma startup

Dikript contributes to the goal of decent work and economic growth by enabling financial institutions to make well-informed lending decisions, thus facilitating access to credit for businesses and individuals. This promotes entrepreneurship, job creation, and economic development. Additionally, by streamlining customer onboarding processes, our services help businesses operate more efficiently, contributing to increased productivity and job opportunities.

02.09.01 Ma startup contribue à l'objectif 'Industrie, Innovation et Infrastructure'

5

02.09.02 Justification de la contribution de ma startup

Dikript contributes to the goal of industry innovation and infrastructure by providing innovative solutions for streamlining customer onboarding processes and facilitating identity verification and credit assessment. Our services help financial institutions adopt efficient and secure digital infrastructure, fostering innovation in the financial sector. Additionally, by promoting financial inclusion and access to credit, Dikript supports inclusive and sustainable industrialization, enabling businesses to invest in infrastructure development and contribute to economic growth.

02.10.01 Ma startup contribue à l'objectif 'Réduction des Inégalités'

7 - tout à fait d'accord

02.10.02 Justification de la contribution de ma startup

Dikript contributes significantly to reducing inequalities by providing access to credit and financial services for underserved populations, including immigrants. By seamlessly integrating data from multiple sources, including Nigeria's major credit bureaus, Dikript enables Canadian banks and businesses to make informed lending decisions for Nigerian immigrants, thus bridging the gap between lenders and borrowers and promoting financial inclusion and empowerment within immigrant communities. Through our efforts, we strive to reduce inequalities within and among countries, fostering a more equitable and inclusive financial system.

02.11.01 Ma startup contribue à l'objectif 'Villes et Communautés Durables'

5

02.11.02 Justification de la contribution de ma startup

Dikript indirectly contributes to the goal of sustainable cities and communities by promoting financial inclusion and stability, which are essential for building resilient and sustainable urban environments. Our services enable individuals and businesses to access financial resources, facilitating economic activities and contributing to the growth and development of urban communities. By streamlining customer onboarding processes and providing comprehensive identity verification and credit assessment solutions, we support the efficient functioning of financial systems within cities, fostering economic resilience and sustainability. Additionally, by promoting access to credit and financial services, Dikript helps individuals and businesses participate more actively in urban development initiatives, ultimately contributing to the creation of inclusive, safe, and sustainable cities and communities.

02.12.01 Ma startup contribue à l'objectif 'Consommation et Production Responsables'

4

02.12.02 Justification de la contribution de ma startup

02.13.01 Ma startup contribue à l'objectif 'Lutte contre les Changements Climatiques'

2

02.13.02 Justification de la contribution de ma startup

02.14.01 Ma startup contribue à l'objectif 'Vie Sous-Marine'

1 - pas du tout d'accord

02.14.02 Justification de la contribution de ma startup

02.15.01 Ma startup contribue à l'objectif 'Vie Terrestre'

1 -pas du tout d'accord

02.15.02 Justification de la contribution de ma startup

02.16.01 Ma startup contribue à l'objectif 'Paix, Justice et Institutions Efficaces'

6

02.16.02 Justification de la contribution de ma startup

Dikript contributes to the goal of peace, justice, and strong institutions by enhancing transparency and accountability in financial transactions. Our services enable institutions to verify the identities of individuals and assess their creditworthiness, thus promoting trust and integrity in financial systems. By facilitating access to financial services and fostering a fair and efficient lending process, we contribute to the economic empowerment of individuals and communities, which is essential for building peaceful and inclusive societies. Additionally, our commitment to data security and compliance ensures that institutions operate within the bounds of the law, strengthening overall governance and institutional integrity.

02.17.01 Ma startup contribue à l'objectif 'Parteneriats pour la Réalisation des Objectifs'

5

02.17.02 Justification de la contribution de ma startup

Dikript contributes to the goal of partnerships for sustainable development by collaborating with various stakeholders in the financial and governmental sectors. Through partnerships with financial institutions, we work together to promote financial inclusion, transparency, and accountability. By providing identity verification and credit assessment services, we enable our partners to make informed decisions and implement sustainable development initiatives more effectively. Additionally, our commitment to compliance and data security fosters trust and strengthens partnerships with stakeholders, facilitating collective efforts towards achieving sustainable development goals.

06.01 Un grand nombre de clients utilisent déjà un produit/service très similaire au nôtre.

1 = Pas du tout d'accord

06.02 Notre produit/service représente un type de produit/service entièrement nouveau

7 - Tout à fait d'accord

06.03 Notre produit/service pourrait être décrit comme une nouvelle technologie

6

06.04 Notre produit/service est une amélioration d'un produit ou d'un service existant

7 - Tout à fait d'accord

06.05 Notre produit/service pourrait être décrit comme une extension d'une gamme de produits ou de services

1 - Pas du tout d'accord

06.06 Notre produit/service répond à une demande ou à un besoin qui n'a pas été satisfait par d'autres produits/services.

7 - Tout à fait d'accord

06.07 Notre produit/service est une nouvelle version d'un ancien produit/service

1 - Pas du tout d'accord

06.08 Justification

Our strength lies in our data aggregation and customization capabilities, particularly evident in our BVN and TriadCredit services, which utilize advanced data aggregation techniques and multi-source integration to provide accurate and reliable results. Unlike traditional methods that may rely on single-source data, Dikript's solution offers a unique combination of services tailored to meet the specific needs of financial institutions and governmental bodies. By addressing the challenges of identity verification and credit assessment in a holistic and efficient manner, Dikript revolutionizes the way financial institutions make decisions, leading to improved efficiency, transparency, and trust in the financial ecosystem.

06.09 Analyse compétitive

Our competitive edge lies in our ability to aggregate and customize data effectively, demonstrated through services like BVN-NIN linkage and TriadCredit. By prioritizing tailored solutions and leveraging no-code technologies, we ensure secure and flexible offerings that address individual client needs with precision. Our Unique Selling Proposition (USP) revolves around comprehensive data integration from various government agencies and KYC service vendors. This multi-source approach guarantees superior accuracy, completeness, and reliability compared to competitors. Key advantages include enhanced accuracy, comprehensive coverage, dashboard branding, redundancy and validation, as well as increased trust and security for clients, ultimately setting us apart in the market.

11.05 Menez-vous des actions au sein de votre communauté pour promouvoir le rôle des femmes entrepreneurs ?

N/A