cmtambo50-prog/Mbiri-AI

AI-powered financial passport platform helping Malawi's informal businesses build trust, access credit, and grow. # Mbiri AI — Malawi Financial Identity Passport **Making invisible businesses financially visible.** Mbiri AI is a digital financial identity platform built for Malawi's informal businesses — market vendors, small traders, and micro-entrepreneurs. It turns everyday business activity into a verified, bank-trusted financial profile, helping business owners access loans, grants, and growth opportunities that were previously out of reach. Built for **FINOVATE 2026**, the National Virtual Hackathon for Financial Innovation in Malawi, organized by the Computer Science and Information Systems Society (CoSISS), MUBAS, with National Bank of Malawi plc as Official Strategic Partner. ## Team — Tsogolo Trio - Neister Mbuzi - Christina Mtambo - Dalitso Mkhoma **Challenge Track:** Financial Inclusion & Digital Payments — helping small businesses access their finances easily ## The Problem Malawi's informal traders and small business owners struggle to access affordable digital financial services and formal credit because they have no verifiable financial identity that banks and lenders can trust. Mobile money platforms record their transactions, but that data is never turned into a structured credit profile a bank can act on — leaving creditworthy businesses financially invisible. ## Our Solution Mbiri AI turns everyday business activity — mobile money statements, bank records, and an AI-guided interview — into a verified, cryptographically signed **Financial Identity Passport** that banks and lenders can trust. ### Core Features - **Financial Identity Score** — a Mbiri Score (0–850) built from cash flow stability, business resilience, financial discipline, verification strength, and growth potential - **Evidence upload** — mobile money statements (TNM Mpamba, Airtel Money) and bank records - **AI Business Interview** — Gemini-powered assessment used as alternative credit evidence for businesses without formal paperwork - **Financial Identity Passport** — a cryptograp …