Question 1

What is Aorta and how does it support SME credit scoring in Uzbekistan?

Accepted Answer

Aorta is a read-only SME credit scoring and risk OS platform in Uzbekistan. It connects SME accounting systems, SoliqOnline e-invoices and bank feeds via secure, consent-based APIs, standardizes the data and outputs an explainable SME credit score and lender-ready risk file for banks and MFIs.

Question 2

What data does Aorta use to compute the SME credit score?

Accepted Answer

Aorta uses structured financial and behavioural data from sources such as 1C or other SME accounting systems, SoliqOnline or Didox e-invoicing and tax data, and bank transaction feeds where available. All access is read-only and based on explicit consent from the SME and their accountant.

Question 3

Does Aorta replace our existing SME credit models and LOS?

Accepted Answer

No. Aorta does not replace your core banking system or credit policies. It acts as a data pipe and risk engine that delivers standardized SME features, scores and flags into your existing loan origination system and credit workflows. You keep full control over rules, cut-offs and final lending decisions.

Question 4

How does Aorta handle data localisation and security requirements in Uzbekistan?

Accepted Answer

Aorta is designed to comply with Uzbekistan’s data localisation and regulatory expectations. Personal and SME data is processed and stored on servers located in Uzbekistan, access is encrypted, strictly read-only and fully logged, and Aorta never moves money or initiates transactions on behalf of lenders or SMEs.

Question 5

Can we customize Aorta’s SME credit score to our own risk policies?

Accepted Answer

Yes. Aorta provides a base feature set and SME credit score calibrated for Uzbekistan, and your risk team can customize thresholds, weightings and overrides to align with your existing SME credit policy, sector exposure limits and product strategies.