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Credit access for individuals

Several peer-to-peer (P2P) and marketplace lending platforms have emerged that match middle class and wealthier savers / financial institutions with small businesses and households looking for credit. New credit-scoring models access user data to help assess their creditworthiness.

Nova Credit

Nova Credit provides lenders and others with international consumer credit data. By partnering with the top consumer credit bureaus globally, Nova Credit provides information on immigrants that lack domestic credit history.

 

Juvo

Juvo’s mission is to establish financial identities for people worldwide who are creditworthy, yet financially excluded. In partnership with mobile network operators, Juvo’s proprietary Identity Scoring technology uses data science to create an identity-based relationship with anonymous prepaid users.

GreenSky

GreenSky offers loans to individual consumers and financing for small businesses. Through the idea that payment, credit and commerce can be enhanced using technology and elegant user experiences, GreenSky delivers a service that helps business grow and delight their customers.


Akulaku

Operating in five countries in South-East Asia including Malaysia, Indonesia, and the Philippines, Akulaku is an e-commerce platform that allows users to shop using installment without the need of having a credit card.

MoneyLion

MoneyLion is a mobile finance platform that offers consumers products for borrowing, saving, and investing. Using analytics and machine learning-based technology, MoneyLion gives personalized advice and underwriting.


Kredivo

Kredivo is a digital lending platform that enables ecommerce buyers in Indonesia to apply and qualify for instant credit and pay back over time.

Better Mortgage

Better Mortgage is a full stack mortgage lender digitizing the home financing process. Better is focused on customer advocacy, putting consumers back in control of the most important financial decision of their lives.

Affirm

Affirm offers point-of-sale financing services to individuals that enable them to buy goods and make monthly payments for the purchases.

African Clean Energy

African Clean Energy (ACE) produces solar biomass energy stoves in Lesotho that provides clean cooking with a range of biomass fuels as well as offer solar electricity for mobile phone charging and LED lighting. ACE also helps arrange financing for the stove users through crowdfunding.

Tala

Tala is a mobile technology startup that provides micro-loans in Kenya, Tanzania, and the Philippines. Tala mobile app uses the mobile data to help assess creditworthiness and deliver credit.