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Explore this ideaCréditScore — Alternative Credit Scoring for the Unbanked
Credit scoring system based on alternative data (mobile money history, phone top-ups, bill payment regularity) allowing MFIs and banks to assess the creditworthiness of the unbanked. Integrated via API into lenders' systems.
The Problem
66% of African adults have no bank account and are excluded from formal credit due to lack of traditional credit scores, despite demonstrable real creditworthiness.
The Opportunity
The African microcredit market is estimated at $30 billion with still low penetration; institutions seek reliable scoring tools.
The Concept
Machine learning model trained on anonymized mobile money data, accessible via REST API by MFIs and banks, with real-time creditworthiness report.
The "Secret Sauce" (USP)
- Mobile money data: 2 years of exploitable financial history
- Score delivered in 30 seconds via API: instant credit decision
- GDPR/data protection compliance: annual independent audit
Minimum Viable Product (MVP)
To get started quickly:Basic scoring model on 1,000 historical profiles, tested with 1 partner MFI on 100 credit files, comparison with human decisions.
