Dashboard
Ubuntu Banking Layer — Trust Infrastructure for Ghana
11
Total Members
+3 this week
8
Active Members
72% active rate
2
Bank Partners
GCB + Ecobank
1
Active Loans
GHS 2,000 total
Member Trust Score Distribution
LiveARISE Stage Distribution
Recent Activity
Platform Health
All Members
11 registered UBL Africa members
Register Member
Add a new UBL Africa member
PERSONAL INFORMATION
FINANCIAL PROFILE
COMMUNITY WITNESSES (min 3)
Vouching Network
Community witness verification records
1
Total Vouches
100%
Confirmation Rate
0
Circular Flags
ARISE Vault
Member savings and stage progression
GHS 0
Total Savings
11
Stage 1 Members
0
Stage 2+ Members
0
Bank Referrals
ARISE Stage Requirements
Stage 1
Registration complete
Stage 2
Trust 70+ and GHS 150 saved
Stage 3
First loan completed
Stage 4
Bank account linked
Loans
All loan applications and repayments
1
Total Loans
GHS 2,000
Total Disbursed
1
Active Loans
0%
Default Rate
SHIELD AI
Fraud detection and anti-manipulation engine
Active
ML Model Status
v3.0.0-rules
3
Anti-Manipulation Parts
All Active
0
Active Flags
8
Detection Patterns
Anti-Manipulation Rules
Part I — Vouching Integrity
Circular vouch detection, max 1 family witness, minimum witness trust score 30, max 5 vouches, 14-day cold period
Part II — Signal Integrity
GPS stability checks, MoMo diversity minimum 3 counterparties, velocity spike detection, SIM swap alerts
Part III — Network Integrity
Collusion network detection, GPS market day analysis, behavioural anomaly, airtime drop alert
SHIELD AI Health Check
BCI Intelligence
Borrower Credit Intelligence — plain English explanations
Generate BCI Report
BCI Report
Select a member and click Generate to view their BCI report.
Bank Partners
2 onboarded bank partners
Loan Referrals
Members referred to bank partners
1
Total Referrals
0
Approved
1
Pending
USSD *920#
Member access via Africa Talking USSD gateway
0
Sessions Today
0
Registrations via USSD
0
Loan Applications
0
Repayments
USSD Menu Structure
*920# Main Menu
1. Register | 2. My Account | 3. Apply for Loan
4. Repay Loan | 5. Vouch for Member | 6. Consent | 7. Help
1. Register | 2. My Account | 3. Apply for Loan
4. Repay Loan | 5. Vouch for Member | 6. Consent | 7. Help
Africa Talking Configuration
Claude AI Assistant
Intelligent analysis for UBL platform operations
🧠
UBL Intelligence Assistant
Powered by Claude AI
🧠
Hello! I am the UBL Africa AI Assistant. I can help you analyse member trust scores, explain SHIELD AI decisions, detect fraud patterns, generate compliance reports, and provide platform intelligence. How can I help you today?
Quick Analysis
Platform Summary
Total Members11
Bank Partners2
Active Loans1
SHIELD StatusActive
Fraud Flags0
Analytics
Platform intelligence and financial inclusion metrics
11
Total Members
+3 this week
72%
Active Rate
GHS 2,000
Loans Disbursed
0%
Default Rate
Member Growth
Trust Score Distribution
Regional Breakdown
| Region | Members | Avg Trust Score | Active Loans | Total Disbursed |
|---|---|---|---|---|
| Accra | 6 | 58 | 1 | GHS 2,000 |
| Kumasi | 3 | 52 | 0 | GHS 0 |
| Other | 2 | 48 | 0 | GHS 0 |
Flags and Alerts
SHIELD AI early warning system
0
Active Flags
0
Warnings
100%
Clear Members
✅
All Clear
No active fraud flags or early warnings. SHIELD AI is monitoring all 11 members.
Compliance
Regulatory compliance under BoG Open Banking Framework 2023
100%
Consent Coverage
9
Consent Tiers Active
11
KYC Verified
Active
BoG Sandbox
Regulatory Compliance Status
| Framework | Status | Last Review |
|---|---|---|
| Bank of Ghana Open Banking Framework 2023 | Compliant | Apr 2026 |
| Data Protection Act 2012 (Act 843) | Compliant | Apr 2026 |
| Electronic Transactions Act 2008 (Act 772) | Compliant | Apr 2026 |
| Anti-Money Laundering Act 2020 (Act 1044) | Compliant | Apr 2026 |
| OWASP Top 10 Security Standards | Compliant | Apr 2026 |
| Payment Systems and Services Act 2019 (Act 987) | Pending Sandbox | Apr 2026 |
Audit Log
Immutable record of all admin actions
SENTINEL
Platform monitoring and incident management
Healthy
Overall Status
16
Containers Running
38
Checks per Cycle
5 min
Check Interval
AI Incident Analysis
Container Status
Settings
Platform configuration and management
PLATFORM CONFIGURATION
SYSTEM HEALTH