OZÉ is a platform that equips small business owners in Africa to make data-driven decisions to improve their performance, tap into networks, and access capital. OZÉ’s platform is comprised of two components. On one side is an mobile app for a small business owners that aggregates and analyzes transaction data to push context-specific recommendations and reports. On the other side is a portal for financial institutions that combines the app’s crowdsourced data with alternative data sources to assign a credit risk score to each OZÉ user. Through the portal, banks can source and support a small-business loan portfolio.