Fintech firm,  VeendHQ, has said its artificial intelligence platform,  Vida AI, will redefine credit decision. Designed for Africa, Vida AI delivers speed, accuracy, and fairness in credit assessments.

Vida AI has a machine learning engine that processes alternative data to generate real-time insight into borrower behaviour and risk to assess those overlooked by conventional credit systems.

“Vida AI is more than a credit engine, it’s a financial inclusion catalyst,” said Olufemi Olanipekun, chief executive officer and co-founder. “By combining local knowledge with advanced AI, we’re enabling faster, fairer, and smarter credit decisions…”

Founded in four years ago, VeendHQ’s inclusive financial products— from unsecured instant loans to Buy Now, Pay Later (BNPL) and energy financing—empower individuals with  income and help partners scale responsibly.

Vida AI automates  credit lifecycle—from loan origination to recovery management—enabling instant decisions and efficient collections. Lenders can serve more customers with greater confidence, expand their portfolios, and minimise exposure to risk.

Merchants benefit from Vida AI at the point of sale through seamless BNPL functionality. Customers can buy instantly and repay over time, leading to higher conversion rates, fewer abandoned carts, and stronger customer loyalty.

On the consumer front, VeendHQ is rolling out MyCreditProfile.me, a digital platform that allows individuals to create and manage their credit profiles using credit bureau data, helping them understand their creditworthiness and connect with lenders and merchants.

.  Vida AI and MyCreditProfile.me are live and accessible via www.askvida.ai and www.MyCreditProfile.me.