Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Social Media Data for Credit Scoring
For millions of people in emerging markets, a traditional credit score doesn't exist. Fintechs like Tala have stepped in, using over 10,000 data points from a user's smartphone — including social media activity, call patterns, and messaging behavior — to approve loans in minutes. In this episode, Lucas and Luna explore how Tala analyzes a customer's Facebook friends, SMS frequency, and even the time of day they use their phone to predict repayment likelihood. They discuss the surprising accuracy of these models, the privacy trade-offs, and why behavioral data may soon…
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