AI layer
Every response carries inline scores produced by the intelligence layer. Scores are stable, auditable, and explainable.
fraud_score
0–100 score on every enrollment, claim, and payment. Higher means higher risk. Tunable thresholds available per partner.
identity_confidence
0–1 confidence on the verified identity of a member. Combines BVN, NIN, biometric, and historical signals.
lapse_risk_score
0–1 risk that a policy will lapse during the next collection cycle. Designed for proactive retention.
value_score
0–100 plan-quality score. Considers benefit breadth, network depth, and pricing efficiency.
Auditability
Every score includes the model version, inputs hash, and decision time. Full traces are queryable from the portal.