Lalikan

Lalikan is a financial technology company building credit infrastructure for West Africa’s informal economy. Its platform helps financial institutions assess creditworthiness by transforming informal savings activities, including tontines, susu, and ajo, into verified digital credit histories.Across West Africa, millions of people demonstrate financial discipline through informal savings but remain excluded from traditional credit systems because they lack formal credit histories.GUEHI AND CO worked on Lalikan’s digital experience to communicate its innovative credit scoring solution, explain its technology, and position the platform as a trusted infrastructure provider for financial institutions.

The Challenge

Traditional credit scoring systems rely heavily on bank statements, formal employment records, and previous borrowing histories. However, many individuals across West Africa participate in informal savings networks without having access to these conventional financial records.This creates a significant challenge for banks, microfinance institutions, and fintech companies seeking to evaluate creditworthiness and responsibly serve underserved populations. Lalikan needed a digital platform that could clearly communicate its alternative credit scoring approach, explain its operational process, and demonstrate how informal savings data can support more inclusive financial services.

Our Solution

GUEHI AND CO developed a dedicated digital experience for Lalikan, focusing on communicating its credit infrastructure, technology capabilities, and financial inclusion mission.

The project focused on:

• Establishing a professional digital presence for the fintech platform.

• Communicating Lalikan’s alternative credit scoring proposition.

• Explaining how informal savings data becomes actionable credit intelligence.

• Presenting the platform’s capabilities for banks, microfinance institutions, and fintechs.

• Structuring the website to communicate its services, pricing, and operational process.

• Highlighting Lalikan’s presence across West African markets.

• Building trust through clear explanations of credit assessment and financial inclusion.

• Supporting business development and institutional engagement through conversion-focused website content.

How the Platform Works

Lalikan transforms informal savings activity into actionable credit intelligence through four key steps:

1. Capture

Savings collectors record contributions through the Lalikan application, including when operating offline.

2. Aggregate

Savings information is consolidated into a verified financial history, providing visibility into contribution patterns and consistency.

3. Score

Lalikan’s scoring algorithm generates a credit score from 0 to 100 based on savings regularity, tenure, and relevant financial information.

4. Serve

Financial institutions use the resulting credit score to assess potential borrowers and make informed lending decisions.

Project Impact

The Lalikan digital platform communicates a new approach to credit assessment, helping financial institutions understand how alternative financial data can reveal previously overlooked creditworthiness. By transforming informal savings activities into structured credit information, Lalikan supports the development of more inclusive financial infrastructure across West Africa.