What is Alternative Data and how can it improve credit scoring?
What is Alternative Data and how can it improve credit scoring? For decades, traditional credit scoring models have relied on a narrow set of financial data – primarily past loan repayments, credit card usage, and banking history. But in emerging markets, where millions lack access to formal financial services, these models leave many individuals and […]
How FinTech can help lenders reach the unbanked
How FinTech can help lenders reach the unbanked Access to fair and reliable financial services is a key driver of personal and economic growth, yet 1.4 billion adults worldwide remain excluded from the formal financial system. In emerging markets, where traditional credit models rely on historical data, millions of people face systemic barriers to obtaining […]
From Data to Decisions: Alternative Data Sources supporting SME Lending
From Data to Decisions: Alternative Data Sources supporting SME Lending Small and medium enterprises (SMEs) and microbusinesses are the backbone of many emerging and developing markets, driving job creation and economic growth. Yet, access to affordable credit remains a significant challenge. Traditional credit scoring models, heavily reliant on financial history and collateral, often exclude these […]
The future of lending
The Future of Lending Modern data and behavioural analytics are redefining risk assessment and client management. At its core lending is about trust. Traditionally, lenders have relied on a limited set of data to assess who is and is not creditworthy. This limited data means millions of potential customers have been excluded from access to […]
Embedded Finance in Lending
Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits
Psychometrics: What makes a reliable borrower? Joint Research with Mondato
Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits
7 Fuentes de Datos Modernos para el Análisis del Riesgo de Crédito en Microempresas.
MSMEs face difficulties in obtaining loans from financial institutions that use a conventional approach to creditworthiness, modern data sources can help/
7 Modern Data Sources for Credit Risk Analysis in Micro Businesses
MSMEs face difficulties in obtaining loans from financial institutions that use a conventional approach to creditworthiness, modern data sources can help/
Empowering Financial Inclusion in Vietnam
The role of next-gen credit models In the bustling streets of Hanoi, where vendors hawk their goods and entrepreneurs dream of scaling their businesses, lies a tale of untapped potential. Vietnam, with its vibrant economy and dynamic population, holds promise for growth and prosperity. Yet, for many, accessing financial services remains a challenge, hindered by […]
Aprovechando la IA y el aprendizaje automático para la evaluación del riesgo crediticio: exploración de fuentes de datos alternativas
El acceso a un crédito justo es el acceso a la oportunidad. Los originadores de crédito tienen una enorme responsabilidad a la hora de decidir quién tiene acceso a esa oportunidad. Esta es la razón por la que la evaluación del riesgo crediticio desempeña un papel crucial en la industria financiera, ya que permite a […]
