Credit for farmerslenders can’t yet see.
I’m Muamer — CTO at Agrionelink and a software engineer with 9+ years behind systems banks, e-commerce and smallholder farmers depend on. Today I lead the build of eK Score: credit profiles that give thin-file producers across Asia a real shot at financing from MFIs and banks in the region.
18M
daily users served
eK Score
credit for thin-file producers
9+
Years shipping software
Backend, full-stack, platform
18M
Daily users served
Rakuten Ichiba Item Page
5M+
Banking users supported
10 banks across 6 countries
eK Score
Credit for thin-file producers
CTO · Agrionelink
Most smallholders aren’t high-risk. They’re invisible.
Across Asia, millions of producers are shut out of formal credit because no lender can see them. eK Score changes what lenders can see — giving MFIs and banks in the region the confidence to finance thin-file producers.
Thin-file, not high-risk
Most smallholders farm, sell and repay — but have no bureau file, no payslip and no collateral a lender recognises. Without data, they are priced as risky or not served at all. The gap is information, not character.
A profile built from the field
eK Score turns farm operations, market signals and behavioural data into a credit profile for producers traditional bureaus never see.
A signal lenders can use
MFIs and banks across the region get a consistent, explainable view of rural risk they can plug into their own credit decisions — so financing reaches producers who were shut out.
What I own as CTO
- Architecture and engineering for eK Score, from field data to the score a lender acts on.
- Building and leading a distributed engineering team across time zones.
- Holding the platform to the reliability, security and auditability financial institutions expect — the same bar as core banking.
- Turning Agrionelink’s field knowledge and IP into products that actually ship.
Work that had to hold.
Not prototypes. Production systems where downtime is measured in money — the same standard I hold eK Score to.
eK Score, Agrionelink
Most smallholders are not high-risk. They are undocumented: no bureau file, irregular cash flow, the useful data sitting in the field instead of a spreadsheet. I lead the technology behind eK Score — first at eKutir, now as CTO at Agrionelink — a credit profile built from farm operations, market signals and behavioural data, so MFIs and banks across Asia can underwrite thin-file producers.
Scale
eK Score
rural credit scoring
Role
CTO
Outcome
MFIs · banks
can underwrite rural risk
Ichiba Item Page, Rakuten
Backend engineering on one of Japan’s busiest product pages. Merchant-facing work (Shop Calendar, Topics List) plus a migration of 15 API features off upstream GraphQL onto REST.
Scale
18M
daily users
Role
Backend
Outcome
¥10B
projected 3-year ROI
Core banking across six countries
Microservices for personal finance and mobile banking used by ten banks. Crediting, loans and the APIs that sit in front of money — where a bug is somebody’s salary, not a ticket.
Scale
5M+
registered users
Role
Backend
Outcome
10 banks
in 6 countries
Expense platform at a Swedish scale-up
Java, Groovy and Angular on a product going through rapid growth. Three payroll and accounting integrations, plus UI redesign work that made internal testing faster.
Scale
30k+
customers
Role
Full-stack
Outcome
3
payroll / accounting integrations
Nine years of shipping things that had to work.
Core banking for 5 million users, credit scoring for smallholder farmers, an e-commerce item page hit by 18 million people a day, and now CTO at Agrionelink, building eK Score.
Leading the build of eK Score — credit profiles that help thin-file producers in Asia get access to financing from MFIs and banks in the region.
- Own the technology end to end: architecture, engineering, and the path from field data to a score a lender can act on.
- Building with a distributed leadership, sales and engineering team across multiple countries.
- Holding eK Score to the standard financial institutions expect: reliable, secure and explainable.
An engineer who has seen what breaks at scale.
I started in fintech, writing backend services for core banking platforms used by millions of people across Southeast Europe — the kind of software where a bug is not an inconvenience, it is somebody's salary.
From there: a Swedish scale-up, US healthcare and transport systems, then two and a half years in Tokyo on Rakuten's Ichiba item page — 18 million people a day. After that I led digital agriculture and fintech technology at eKutir, building eK Score — a credit profile for smallholder farmers who have no bureau file, so cooperatives, MFIs and banks could actually underwrite them.
I'm back in Bosnia now, and CTO at Agrionelink, where I lead the ongoing build of eK Score. The goal is simple to say and hard to do: give thin-file producers across Asia a fair shot at financing from MFIs and banks in the region, by making them visible to the people who decide who gets credit.
If you work in rural lending or agri-finance, or you're just curious about eK Score, the contact form at the bottom reaches me directly — or email me.
“Most smallholders aren't high-risk. They're just invisible to the systems that decide who gets credit.”
How I think
Plain language, always
If I cannot explain a technical decision to a loan officer or a field agent in a sentence, it is not finished yet.
Small, then real
The fastest way to something useful is to ship something narrow and let real usage in the field tell you what to build next.
Boring technology
I pick tools that will still be maintained in five years over whatever is trending this month. Lenders should never have to wonder whether the platform will be rewritten next year.
Trust is the product
A credit score is only worth something if lenders can rely on it and producers are treated fairly by it. Accuracy, explainability and care with people’s data come first.
Toolkit
Backend
Frontend
Data & Infrastructure
Notes, when I have something to say.
Articles on software, systems, and other things that hold my attention. No schedule, no funnel.
Nothing published yet — this is where new pieces will land.
Working on rural finance?
Let's talk.
Whether you're at an MFI or bank in the region, work in agri-finance, or just want to know more about eK Score — write to me directly. I read everything and reply myself.
Or use the form