Eniclic Intelligence
Recovery and credit-risk analytics you can explain
Eniclic Intelligence is the analytics layer across the receivables lifecycle. It is not one generic credit score — it is three distinct products, each with a clear purpose, clear factors and clear limits.
The lifecycle
One platform across the full receivables lifecycle
- SCORE
- MONITOR
- MANAGE
- RECOVER
- BUY / INVEST
- ANALYSE
Recovery Score
Predicts the likelihood of successfully resolving or recovering an existing account, so recovery effort goes where it will actually work — and customers who need an affordable arrangement are identified early rather than chased hard.
How long the balance has been outstanding since the last payment.
Whether the customer has paid before, and how consistently.
Whether we reach the customer, and through which channel.
Promises made against promises kept.
Adherence to any arrangement already in place.
Whether the balance is contested and at what stage.
Size of the balance relative to affordability signals.
Credit Monitor
Monitors payment behaviour and account performance over time. Businesses see whether an account is improving or deteriorating; customers see the same picture of their own progress, in plain language.
- Behaviour direction, not a public rating
- Movement alerts when performance changes
- Visible to the customer for their own account
- Correction pathway if anything is wrong
Credit Score
A future wider credit-risk product designed to use authorised data sources and licensed credit-information partnerships where required. It is not available today and nothing in the platform should be treated as a credit score.
- Eniclic does not operate a licensed credit bureau
- No public blacklist, now or ever
- No negative ratings about individuals are displayed publicly
- A dispute and correction mechanism will ship with the product
A wider credit score requires a lawful basis for processing, model documentation, fairness testing and the appropriate data partnerships and clearances. Until those are in place the interface exists but the product stays switched off.
Customer view
If you owe money, you should still be treated with respect
Customers can see their own account performance, request an affordable arrangement, and challenge anything that looks wrong. No individual is publicly rated, listed or shamed.
+18 points since last month
An arrangement on your Adinkra Microfinance account completed on schedule.
12 Aug 2026GHS 450 received by mobile money and applied to reference ER-0002934.
04 Aug 2026Your next instalment of GHS 450 is scheduled for 04 Sep 2026.
UpcomingBalances above 60% of your limits can hold your score back.
OngoingModel version concept-0.1 · Illustrative data only · Scored 12 Aug 2026
Prioritise recovery with evidence, not instinct.
See how Recovery Score and Credit Monitor work against your own portfolio profile.