Fintech/South America Node

Alternative Credit Scoring

Grant digital financial access to 1 million+ unbanked individuals using AI scoring.

The Challenge

Traditional credit scoring in South America was exclusionary, leaving millions of gig workers and small business owners without access to credit.

An AI model that analyzes mobile money usage and utility payment patterns to provide fair, accurate credit scores for the unbanked.

Alternative data ingestion engine

Fairness-aware machine learning models

Real-time credit decisioning API

Mobile-first application interface

1.2M individuals given their first credit access

Loan default rates 30% lower than traditional industry averages

Rapid scaling across 4 South American countries

Interested in implementing a similar architecture for your organization?

Deployment Active

V1.4.2