For customer -One of the greatest issues in Africa, South-East Asia and the middle-east is access to quick, reliable capital. Banking has assisted with this; however, customers still require collateral for many loans, and the poor and middle class often do not possess collateral. For this reason, a credit history cannot be created and thus these customers may never get access to credit, which limits their growth and the general growth of the economy. This removes a large potential market who would access capital if it were available easily and cheaply. Financial Institutions- The main problems facing Financial Institutions are:•Their customers require new channels to access capital. •Ways to give customers a credit rating using innovative technology. This will increase the reach of the institution into other markets.•Financial Institutions need new revenue streams in order to expand and grow in new markets. Our solution, SHIKA, uses technology to credit rate customers using their mobile money transactional data, the local credit bureau data, social media and behavioral data to judge a customers credit worthiness. We can thus deploy capital from financial institutions to customers quickly and efficiently. The customers get access to credit, and the Financial institutions can use our technology to deploy that capital and solve the problems stated.