Alternative credit scoring: banking the unbanked

In West Africa, a large share of the population remains excluded from credit for lack of a banking history. Yet digital footprints — mobile money, telco top-ups — tell a rich financial story.

Alternative signals

Transaction regularity, geographic stability and top-up habits are strong predictors of repayment capacity.

Our approach

We combine gradient boosting models with explainability methods (SHAP) to ensure fair, auditable decisions that meet regulatory requirements.