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LLM-rendered rationale and counterfactual explainability for Kenya credit decisions
Your application was approved based on your consistent M-Pesa inflows over the past 12 months, your three verified supplier attestations, and a Metropol credit score above our threshold. Your recommended rate includes a loyalty discount available after 6 on-time payments. Under ODPC DPA Section 35, you may request human review or ask for the main reasons used in this automated decision.
Meta-learner approve at 88.4% confidence. Weights: cash-flow 0.30, collateral 0.20, identity 0.15, network 0.20, arbitration 0.15. Positive contributions: M-Pesa inflow regularity +18.4%, supplier depth +11.9%, Metropol CRB +15.7%. IDP clear; EAD KES 180,000; LGD 31%; 95% CI 84.1-91.8. Swap-set: cash-flow -5pp pushes APR to 22.6% and LTV to 64%.
Decision approved under CBK DCP Section 24 affordability test with verified disposable cash-flow coverage of 1.42x. ODPC consent reference ODPC-CNS-88311-2026-06 was active at scoring. Model version ensemble-v2.6.4; approval reasons: verified repayment capacity, bureau score above policy threshold, and no adverse identity markers.
What would need to change to improve this decision?
| Factor | Required change | Impact |
|---|---|---|
| CRB score | +45 points | APR drops 2.1% |
| Daftari supplier evidence | Add 1 more daftari supplier attestation | refer -> approve |
| Fuliza dependency | Reduce dependency by 60% | confidence +12% |
| Application | Borrower | Decision | Audience requested | Render time ms | LLM model used | ODPC disclosure sent |
|---|---|---|---|---|---|---|
| APP-KE-88311 | Amara Traders Ltd | approve | borrower | 118 | gpt-4.1-mini credit-rationale | Y |
| APP-KE-88304 | Nakuru Auto Spares | refer | officer | 94 | deterministic fallback | N |
| APP-KE-88296 | Amani Chama Group | decline | borrower | 126 | gpt-4.1-mini credit-rationale | Y |
| APP-KE-88288 | Kariobangi Metal Works | approve | regulator | 142 | gpt-4.1-mini credit-rationale | Y |
| APP-KE-88272 | Makueni Poultry Supplies | refer | officer | 88 | deterministic fallback | N |
| APP-KE-88261 | Roysambu Fresh Mart | approve | borrower | 104 | gpt-4.1-mini credit-rationale | Y |
| APP-KE-88249 | Kisumu Textile Traders | decline | regulator | 151 | gpt-4.1-mini credit-rationale | Y |
| APP-KE-88235 | Thika Auto Spares | approve | officer | 97 | deterministic fallback | N |