基于智能手机元数据的银行级数字记分卡开发商CredoLab宣布扩展到撒哈拉以南非洲的金融科技市场,增加了三个新客户 - 两家银行和一家领先的通话时间信贷提供商。
根据其新闻稿,总部位于新加坡的金融科技创业公司已经成功开发了15个国家50多家银行发放的超过10亿美元贷款的记分卡。
CredoLab的替代信用评分解决方案正处于该地区关注金融包容性的关键时刻。非洲数字金融包容基金(ADFI)最近由非洲开发银行发起,旨在满足大约76%的撒哈拉以南非洲人口的需求,这些人口仍然缺乏服务并被排除在传统银行业之外。
CredoLab的联合创始人兼首席执行官Peter Barcak说,
“Android智能手机和KaiOS智能功能手机不断增长的渗透率目前超过了非洲大陆银行账户的渗透率。这为像CredoLab这样的金融科技提供了一个巨大的机会,可以利用行为数据来评估任何用户的信誉,并使他们能够以公平的条件获得贷款,即使在没有信用记录的情况下也是如此。“
“我们进入该地区的客户参与和合作伙伴关系发展势头良好,我们将继续在此成功的基础上,为客户保持积极的经验,并找到与政府和行业倡议合作的机会,以促进金融包容性。我们从南非开始,很快将在加纳推出,并将在2020年初针对尼日利亚和肯尼亚,“
Peter补充道,
CredoLab声称其专有算法利用匿名,非个人,同意的智能手机元数据来预测用户的信誉。随着撒哈拉以南非洲的智能手机普及率不断提高,预计到2025年将翻一番,基于智能手机的信用评分有望补充,如果不能取代传统的信用评分方法。
Singapore’s CredoLab to Power Digital Financial Inclusion in Sub-Saharan Africa
CredoLab, a developer of bank-grade digital scorecards based on smartphone metadata, announced its expansion into the Sub-Saharan African fintech market with the addition of three new clients – two banks and a leading airtime credit provider.
According to its press release the Singapore-based fintech start-up has successfully developed scorecards for over USD 1 billion in loans issued by more than 50 lenders across 15 countries.
CredoLab’s alternative credit scoring solution comes at a critical juncture in the region’s focus on financial inclusion. The Africa Digital Financial Inclusion Facility (ADFI) was recently launched by the African Development Bank to address the needs of approximately 76% of the Sub-Saharan African population that remains underserved and excluded from the traditional banking sector.
Peter Barcak, co-founder and CEO of CredoLab, said,
“The growing penetration of Android smartphones and KaiOS smart-feature-phones currently outpaces the penetration of bank accounts in the continent. This presents an immense opportunity for fintechs like CredoLab to tap into behavioural data to assess the creditworthiness of any user and enable them to receive loans at fair terms, even in the absence of credit history.“
“Our entry into the region has seen strong momentum in client engagements and partnerships, and we will continue to build on this success by maintaining a positive experience for our clients and identifying opportunities to work with government and industry initiatives to facilitate financial inclusion. We started in South Africa and will soon launch in Ghana, and look at targeting Nigeria and Kenya in early 2020,”
added Peter.
CredoLab claims that its proprietary algorithm makes use of anonymous, non-personal, consented smartphone metadata to predict the creditworthiness of users. With smartphone penetration in sub-Saharan Africa steadily increasing and predicted to double by 2025, smartphone-based credit scoring is on track to supplement if not replace traditional credit scoring methods.