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How Fintechs Use Mobile Phone Data for Credit Scoring in Emerging Markets
Episode 141 of Fintech Conversations explores how mobile phone usage data—call records, airtime top-ups, mobile money transactions—is being used to underwrite loans for the unbanked in emerging markets. Lucas and Luna discuss the model pioneered by Branch International, which uses over 10,000 data points from a user's phone to assess credit risk, achieving default rates lower than traditional microlenders. They examine the trade-off between financial inclusion and data privacy, and how regulators in Kenya and India are responding. A concrete look at how the smartphone becomes a credit…
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