Koti Credit Services

Koti Credit Bureau

Your Credit, Your Power: Turn everyday small choices into big economic impact

What's Your Koti Score?

What's Your Koti Score?
0
Koti Score
Range: 300-850
Poor
(300-599)
Fair
(600-649)
Good
(650-699)
Very Good
(700-749)
Excellent
(750+)
Poor
300-599

DISCOVER KOTI

Discover the power of smart credit scoring in your financial journey. Build your score through everyday actions, unlock countless opportunities.

Build Score

Through everyday financial activities

Get Benefits

Gain trust with institutions

Ways to Build Score

Credit Cards

Timely Payment+10
Low Usage+6
Multiple Cards+8

Banking

Regular Savings+6
Bank Transactions+4
Investment+8

Mobile Payment

Nagad Recharge+3
Merchant Payment+2
Mobile Bill+4

Who Uses Your Koti Score?

Banks & NBFIs

300850
Loan Approvals
Fast ApprovalRejected
Interest Rate Setting
Lower RatesHigher Rates

Insurance Companies

300850
Premium Setting
20% LessHigh Premium
Risk Assessment
Low RiskHigh Risk

Business Partners

300850
Credit Lines
High LimitsLow Limits
Supplier Credit
Good TermsStrict Terms

BUSINESS SOLUTIONS

Comprehensive credit bureau services to transform your business decisions with reliable data and smart analytics

PERSONAL CREDIT HUB

Complete credit monitoring, reports, and score tracking for Bangladeshi consumers

Learn More
720
KOTI SCORE
300850
+40
Payment History
+25
Credit Usage
+18
Account Age
-3
Hard Inquiries
+15
Account Types

Real-time credit score monitoring with instant alerts

Detailed credit reports in Bengali and English

AI-powered personalized score improvement tips

Advanced identity theft and fraud protection

Financial Education

Comprehensive financial literacy programs and educational resources designed specifically for Bangladeshi consumers

Start Learning

Interactive courses in Bengali and English

Video tutorials and practical exercises

Certification programs for financial literacy

Gamified learning experience

Money Management

Personal budgeting tools and Buy Now Pay Later services with intelligent spending analytics

Manage Money

Intelligent budgeting with AI recommendations

BNPL payment options with flexible terms

Expense tracking and categorization

Smart alerts for overspending

Risk Intelligence

Advanced credit assessment and risk evaluation for lenders with machine learning-powered models specifically trained for Bangladeshi market dynamics

Assess Risk
94%
Model Accuracy
2.3s
Response Time
Risk DistributionLast 30 days
LowMediumHighCritical

Machine learning risk models with 94% accuracy

Real-time borrower verification and identity checks

Advanced fraud detection with behavioral analysis

Automated decision support with explainable AI

Analytics Platform

Market intelligence and customer behavior analytics for strategic business decisions with real-time dashboards

Analyze Data
Growth Metrics
+15%

Customer segmentation and targeting analysis

Market trend insights and competitive intelligence

Portfolio performance metrics and benchmarking

Predictive modeling for growth opportunities

Integration Platform

Comprehensive API platform and integration services for fintech companies with comprehensive documentation

Explore APIs
POST /v1/scores
200 OK
{
  "score": 765,
  "status": "approved"
}

RESTful API with comprehensive documentation

Real-time webhook notifications

Custom integration support and consulting

Automated decisioning tools and workflows

Portfolio Management

Continuous portfolio monitoring with intelligent alerts and performance optimization tools for financial institutions

Monitor Portfolio
Portfolio Balance
+12.5%
Stocks
60%
Bonds
30%
Cash
10%

Real-time portfolio health monitoring

Automated risk alerts and notifications

Performance benchmarking and optimization

Smart algorithms for portfolio rebalancing

Security Solutions

Advanced fraud detection and compliance solutions for financial institutions with AI-powered threat detection

Secure Operations
Security Status
SECURE
Threat Detection
99.9%
Fraud Blocked
247 Today
Response Time
0.3ms

AI-powered fraud detection system

Multi-layer identity verification

Compliance monitoring and reporting

Real-time threat intelligence and response