Swipe Credit

Swipe Credit (marketed as Swipe Credit AI) is an Atlanta, Georgia company that applies artificial intelligence to a business's financial and transactional data in order to identify opportunities to collect, save, protect or grow money, and to recommend follow-up actions. The product connects to financial systems on a read-only basis — the company states it can read numbers to find opportunities but cannot move funds — and presents findings such as outstanding cash to collect, customer revenue to review, expenses worth checking and margin opportunities. Capability areas described on the company site include revenue and business intelligence, opportunity discovery, executive reporting, and AI governance and controls.

The company originated as a fintech focused on lending. Earlier descriptions characterize Swipe Credit as an end-to-end digital lending and payment management platform that helps lenders find, vet and build relationships with unbanked, underbanked and "thin file" consumers and small businesses, using behavioral and alternative data rather than relying solely on traditional FICO and bureau scores. In that framing, the platform provided borrower insights, automated loan repayment, faster decisioning, and growth in approvals for lenders seeking to reach underserved market segments.

More recent company materials position Swipe Credit as a revenue infrastructure and executive-intelligence provider aimed at replacing a fragmented stack of revenue tools with a single governed infrastructure that boards, regulators and CFOs can audit. The organization describes itself through three leadership offices — Office of the Chairman, Office of the Chief Architect, and Office of Client Outcomes — citing experience across enterprise sales, capital markets infrastructure, AI governance, and revenue platforms deployed inside large North American insurance carriers.

Founding story

Founder and CEO Kevin Mobolade, a data engineer and Mercer University graduate with degrees in computer science and business, is a first-generation American whose parents immigrated to the United States in the early 1990s and operated brick-and-mortar businesses in the Atlanta area for over 20 years. Despite paying roughly $2,000-$3,000 a month in storefront rent consistently, those payments were never reported to credit bureaus and did not improve their credit profiles. Combined with Mobolade's experience as an engineer in subprime and "buy here, pay here" automotive lending, where he saw the same pattern in borrower data, this motivated the creation of Swipe Credit. Co-founder Charles Lively, Ph.D., and much of the early team are also Mercer alumni. The COVID-19 pandemic and subsequent customer discovery with lending-industry leaders reinforced the opportunity.

Business model

Swipe Credit sells software and engagement-based programs to businesses, with site calls-to-action for pricing quotes, booking a call and starting a free trial. Earlier material described a platform sold to lenders and financial institutions, validated by paying customers, with a stated goal of reaching 100 paying clients.

Paid customer engagements and platform subscriptions; the site offers pricing quotes and a free trial. Specific pricing is not disclosed.

Traction

Company materials state the platform is trusted by 3,000 businesses and cite a Fortune 100 insurance engagement that quantified $9.2M+ in potential business value and surfaced 425+ opportunities within 90 days, an AI governance program addressing 150+ governance issues across 50+ enterprise assets over two quarters, and procurement and growth-intelligence engagements. In 2021 the company reported several paying customers following launch.

Latest developments

The company's website indicates a Fortune 100 deployment in Q1 2026 and presents case studies across insurance, banking, global procurement and AI governance.