For banks & MNOs · Tanzania

Your transport customers
are generating credit signals
you're not capturing.

JAZA AI sits on top of your existing transaction data and surfaces a pre-scored, credit-ready customer segment — transport operators who refuel daily but have never accessed formal financial services. No new acquisition. No regulatory exposure. Just revenue you're leaving on the table.

See how it works for your bank See JAZA AI in action
Built for
Commercial banks Microfinance Mobile money operators
operator_id: TZ-04821-K Credit-ready
847
Liquidity
score
Consistency
91%
Volume
78%
Frequency
85%
Route stability
95%
Recommended limit
TZS 45K
Repay window
14 days
Risk tier
Low
Scored from 47 fuel transactions · No bureau data required JAZA AI
What JAZA unlocks for your institution

Three new revenue lines.
One data partnership.

JAZA AI starts with a data sharing agreement — no capital commitment, no licence required. The intelligence it produces unlocks three commercial opportunities for your bank from Day 1 of Phase 2.

01 Credit
Open new credit lines to an unscored segment
JAZA AI builds dynamic liquidity profiles from fuel transaction behaviour — frequency, volume, consistency, and route patterns. Your bank gains a scoring engine for operators who have never accessed formal credit, with no bureau dependency and no paperwork overhead.
02 Settlement
Grow your GMV through TIPS settlement
Every fuel transaction on the JAZA platform routes through your TIPS rails and settles in real time. As the operator base scales, your bank becomes the settlement backbone for Tanzania's entire transport fuelling economy — a recurring, compounding GMV stream.
03 Insurance & IPF
Distribute insurance and IPF at the point of payment
JAZA distributes your bancassurance products to 5M+ profiled operators inside the wallet — at the exact moment they refuel. Insurance Premium Financing turns lump-sum premiums into instalments your bank funds, at a blended effective rate of 11.7%.
JAZA AI · Intelligence layer

Fuel data is a proxy
for creditworthiness.

Transport operators refuel daily. That regularity — how often, how much, from where, at what time — is one of the most reliable indicators of income stability in the informal economy. JAZA AI extracts three types of intelligence from this data that your institution can act on immediately.

Signals JAZA AI reads from your data
Refuelling frequency and day-of-week consistencyCredit
Average spend volume and variance over 90 daysCredit
Multi-vehicle, bulk-refuelling patternsFleet
Geographic route regularity and rangeFleet
Fuel type transitions (petrol → diesel → LNG)Insurance
Peak usage hours and overnight driving exposureInsurance
Credit Intelligence
Deploy capital
JAZA AI builds a dynamic liquidity profile from spend frequency, consistency and volume — giving your institution a capital deployment layer for operators who have no formal credit history and no bureau score.
"Fuel spend predicts income reliability better than most traditional bureau signals for this segment."
Fleet & SME Profiling
Find businesses
JAZA AI identifies fleet operators and SMEs hidden inside your retail customer base — multiple vehicles, recurring routes, bulk refuelling. You can proactively offer business banking products to customers you didn't know were running businesses.
Operators with 3+ monthly transactions are 4× more likely to open a business account within 12 months.
Insurance Risk Signals
Price risk
Driving frequency, fuel types, refuelling patterns and geographic range are all behavioural signals for underwriting. JAZA AI creates a risk layer that makes your bancassurance pricing sharper and your distribution far more targeted.
Behavioural underwriting reduces claims ratio by 15–30% vs demographic-only models.
Why JAZA

Built for institutional
confidence.

TRA-compliant from Day 1
Every transaction generates a TRA-compliant record automatically. Full audit trail for every operator — no manual reconciliation.
KYC through your own infrastructure
JAZA routes onboarding KYC through your existing verification systems — operators are bank-grade verified from the start.
Real-time TIPS settlement
Every fuel purchase settles instantly through TIPS. No float, no reconciliation lag. Full transaction visibility in your dashboard.
IP filed · Infrastructure live
Regional IP filed via COSOTA. B2B portal, provider portal and consumer app already built and in UAT. This is not a concept.
Ready to explore

Let's run the numbers
for your institution.

I'm interested in
Opening new credit lines for transport operators
Growing GMV through TIPS settlement
Distributing insurance and IPF through JAZA
A full partnership briefing
We'll respond within one business day with a revenue projection tailored to your institution's transaction volume. No commitment required. · info@jaza.co.tz