Who we are
Sheba Credit is Ethiopia’s first private credit bureau and financial technology innovator, created to redefine how credit works in the country. We go beyond traditional scoring by harnessing artificial intelligence, open banking, and alternative data — from savings to telecom and utility payments — to deliver fair, real-time credit insights.
Our mission
To build a transparent, inclusive, and data-driven credit system that empowers individuals and businesses. We achieve this by leveraging AI, open banking, and alternative data to deliver fair credit scoring, while providing banks, fintechs, and cooperatives with tools to reduce risk and expand lending.
At Sheba Credit, our mission is to unlock opportunity, strengthen trust in finance, and drive Ethiopia’s economic transformation.
Ethiopia population
Ethiopia PPP
Banked
MSE with no formal credit
People with access to credit