Pngme

pngme.com
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Company Overview

Pngme is a company that provides financial insights for digital products. It leverages machine learning to improve lending outcomes and accelerates product delivery by enabling an understanding of users' financial behavior and making real-time decisions. The company converts large unstructured or structured data sets into strategic insights for real-time digital financial products.

Financial Data Integration

Pngme supports financial data integration from multiple countries, including Ghana, Kenya, and Nigeria. The company plans to expand its support to Rwanda, Tanzania, and Uganda. Pngme utilizes financial data from hundreds of financial institutions, processing balance and transaction amount data for these institutions. Additionally, it supports financial events processing for depository, loan, and airtime account types in Kenya, Ghana, and Nigeria.

Machine Learning and Analytics

Pngme uses machine learning models trained on billions of data points from millions of users. These models provide financial insights and transactional data through REST APIs. Pngme's feature library includes tools to calculate debt-to-income ratio and view a user's cash flow. The company supports financial institutions in identifying loan stacking and providing real-time comprehensive financial profiles for de-risking lending decisions.

Security and Compliance

Pngme adheres to privacy regulations including GDPR, GDPA, KDPA, and NDPA. The platform is SOC 2 Type 1 compliant with 24/7 security monitoring, offering enterprise-grade security and privacy for financial data. Pngme ensures that all data is handled with strict adherence to regulatory standards, providing secure processing and analysis.

Developer Tools and Resources

Pngme offers a range of tools for developers, including an SDK for Android apps to access financial information on users' devices and a developer portal with comprehensive guides and documentation. The company provides a dashboard for exploring data, managing accounts, and accessing financial data. Additionally, Pngme offers financial data aggregation services accessible via a demo version and a starter version, allowing developers to integrate and utilize financial data effectively.

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