HAKKI GROUP INC

HAKKI AFRICA INC, based in Tokyo, Japan, specializes in developing innovative financial solutions that enhance access to financial services for underserved populations, particularly in Africa, through offerings like its Credit Scoring Passport. Founded in 2019 and headquartered in Tokyo, Japan, HAKKI GROUP INC, previously known as HAKKI AFRICA INC, focuses on providing financial technology solutions. In August 2025, HAKKI GROUP INC raised JPY 100 million in venture debt from new investor Shoko Chukin Bank. HAKKI AFRICA Group specializes in developing innovative financial solutions aimed at enhancing access to financial services for underserved populations in emerging markets, particularly in Africa.

The company’s primary offering is its Credit Scoring Passport, which leverages advanced algorithms to create a portable credit profile for individuals lacking traditional credit histories. This product enables microfinance institutions and other financial service providers to assess creditworthiness and offer tailored financial services efficiently. Additionally, the company has developed APIs for Credit as a Service, facilitating access to credit for small to medium-sized financial institutions. HAKKI AFRICA's services are primarily targeted at customers in emerging markets, particularly in Kenya, where they aim to support individuals and small businesses that have historically faced barriers to financial inclusion.

HAKKI AFRICA generates revenue through partnerships with financial institutions and microfinance organizations that utilize their Credit Scoring Passport and related services. By streamlining the credit assessment process, the company enables these institutions to offer affordable microloans and other financial products, thus establishing a B2B model where fees may be charged for the technology and services provided. The company also engages in direct consumer interactions, particularly through its Kenyan subsidiary, HAKKI AFRICA LIMITED, delivering fair and quality financing solutions to individuals. Revenue streams are structured around transactional fees associated with the deployment of their services, including potential subscription models for ongoing access to their APIs and support services.

The company plans to utilize the August 2025 funding to strengthen its business foundation and accelerate further growth. HAKKI AFRICA is targeting specific markets in Africa for expansion, aiming to create a broader footprint in emerging economies by the end of 2026.