Black Lotus

With mobile money near-universal and oversight tightening, the edge is no longer the product — it's the rigour behind it. We bring an actuarial view of risk to lending and payments: building credit-scoring and fraud-detection models, segmenting customers by real behaviour, and turning raw transaction data into pricing and underwriting decisions you can defend to regulators and investors.

Post-harvest losses topping 30% and data scattered across thousands of smallholders make this a visibility problem before it's a farming one. We forecast yields and model weather- and climate-linked risk, then structure the scattered data that comes off dispersed field operations. That makes it possible to price inputs, insurance and credit fairly — and to see which interventions actually move output.

A record year masks a moving target: source markets are shifting and seasonality is sharpening. We forecast demand and seasonality so you can plan capacity and staffing with confidence, sharpen pricing and occupancy across the calendar, and map the guest journey from first enquiry to repeat visit — showing where bookings are won and lost.

When most orders happen on mobile and close to nine in ten carts are abandoned, growth lives in the funnel. We predict customer lifetime value and churn, forecast demand so stock stays lean without selling out, and cut through marketing attribution to show which channels and campaigns actually drive profitable orders — not just clicks.