CONSULTANCY TO DEVELOP A CREDIT MARKET INFRASTRUCTURE PLATFORM

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About the project/ Overview of the project

Digital Public Infrastructure (DPI) serves as the backbone of a digital economy, unlocking opportunities for financial inclusion, enabling digital identity systems, strengthening payment infrastructure, and fostering secure data exchange.

The development of the Credit Market Infrastructure (CMI) aligns with the National Digital Transformation Strategy and Rwanda’s Digital Public Infrastructure (DPI) Framework spearheaded by RISA. The project will contribute to the broader Rwanda DPI vision, integrating key national systems such as ID, payments, and data exchange to enable inclusive, interoperable digital services.

The CMI is a DPI initiative designed to modernize Rwanda’s credit market ecosystem. It aims to address critical market inefficiencies by creating a shared digital platform that connects financial service providers, data providers (credit bureaus, identification, certification bodies, satellite data providers, Agriculture value chain data etc.)  and borrowers through standardized APIs and automated processes. By enabling a single, trusted source of credit-related data, the CMI will enhance credit risk assessment, strengthen financial inclusion, and support responsible lending practices.

Objectives of the assignment

The overall objective is to design, develop, test, deploy and handover credit market infrastructure platform that will serve as a central hub for financial and non-financial credit data to BNR.

The CMI will integrate with financial data service provider from public and private sectors with the aim to collect relevant information and make it securely accessible to lenders through API as per the below illustration:

Interested bidders (Individual consultants) must confirm their intention to submit a bid by Thursday October 16, 2025, at 17h00 HRS CAT

Any requests for clarifications to the RFP may be submitted by Tuesday, October 21, 2025, 17h00 HRS CAT.

Bidders should submit their proposals no later than Friday 24, 2025, 14:00 HRS CAT

Responding bidders are advised that this solicitation does not in any way obligate AFR to make a contract award or compensate the responding firms for any costs associated with the preparation and submission of their proposals. Additionally, AFR may award a contract without conducting negotiations; all proposals should be submitted initially using your most favorable terms. AFR reserves the right to award any resultant contract to other than the offeror submitting the lowest price proposal based on technical excellence, schedule superiority or client request.

All communications regarding this RFP should be addressed via email: procurement02@afr.rw

Below is the summary planned procurement schedule:

Note: This procurement is open to locally registered firms only. However, collaboration or joint ventures with foreign firms to enhance technical capabilities are permitted.

Cordially,

Jean Bosco Iyacu

Chief Executive Officer