MaaS
Model as a service
Model as a service means we build scoring on your own sales, repayment and MoMo records, so you know how likely a customer is to repay before you extend credit — with the reasoning in plain words, not a black box.
What is model as a service?
Know who will pay — and what pays. Scoring built from your own records that shows how likely a customer is to repay before you give credit, and which products and customers actually make you money.
What you get. Fewer bad debts and clearer decisions on stock and credit, with the reasoning in plain words.
Who it suits. Microfinance, savings and loans, susu groups, credit unions, and shops or distributors that sell on credit.
What is included
- A risk score before you lend or sell on credit
- Early warning when a borrower or regular starts slipping
- Product and customer value: margin, slow stock, best customers
- Scores delivered into your system or straight to your phone, with the reasoning in plain language
Where most businesses start
Risk and Value Models
A model built on your own sales, repayment and MoMo records that scores each customer before you give credit, flags anyone starting to slip, and ranks products and customers by what they earn you.
You pay once it works. The kind of result we'd agree: scores delivered on every new credit request, and a monthly value report you act on.
Models and insight
Built on your own records, explained in plain words.
- Credit risk scoring A score for each customer or borrower before you give credit, with the reasons behind it.
- Early warning Borrowers and regular customers who start paying late or buying less, flagged before it becomes a loss.
- Product value Which products earn you money after cost, which sit on the shelf, and when to reorder.
- Customer value Your best customers ranked by what they spend and how reliably they pay.
- Sales dashboard MoMo, till and spreadsheet sales in one view, with a short weekly summary.
How much does MaaS cost?
Per customer or product scored, agreed in writing, once it works. Nothing is invoiced until the result we agreed in writing has been delivered, and every service is capped monthly so a busy month cannot produce a surprise bill.
Results as a service
No results, no invoice.
Parvus works like a team you only pay when the job is done. You invest in outcomes, not in software licences that sit unused.
- 1 We agree the result, in writing
- 2 We build at our own cost
- 3 You pay once it's delivered
Who we build this for
Microfinance, savings and loans, susu groups, credit unions, and shops or distributors that sell on credit. Common packages:
- Microfinance and susu
- Borrower risk scores, repayment reminders, early warning on late payers
- Restaurants and hotels
- Online and chat ordering, MoMo payment, delivery dispatch, daily sales summary
- Salons and barbers
- Booking assistant, reminders, Instagram content, loyalty rewards
- Pharmacies and retail chains
- Stock alerts, price lookup assistant, restock reports
- Schools and tutors
- Admissions assistant, fee reminders, parent broadcasts, report help
- Real estate and rentals
- Lead qualifying, listing content, rent reminders
The other three services
Talk to us about MaaS
Tell us how you operate today. We come back with the result we would commit to in writing, and what it would cost once it is delivered.