Credit Karma
Credit Karma is a personal finance company that helps consumers in the US monitor their credit and provides recommendations on loans and savings products.
Scoring, Data Science, AI
Almost 4.5 billions consumers worldwide are financially excluded from lending products because banks do not have historical credit data on them. Many fintech companies are now starting to use alternate data sources and machine learning to build credit scores for those who are not on the traditional credit bureaus but are ‘digitally discoverable.’
NAV – For Small Businesses
Nav.com helps small business owners in the US get access to funding and lower their borrowing costs. Its app provides them free access to their credit reports and scores. It also provides cash-flow analysis, tools to help build business credit and a marketplace with more than 100 financing products.
SimplyCredit
SimplyCredit partners with community banks in the US to offer consumers a line of credit that helps them move their revolving credit card revolving balances to a single lower rate line and improve their credit score, while keeping the credit cards. The payments are made to help reduce the principal too, not just the interest.
Trusting Social, Vietnam
Trusting Social is a company in Vietnam that uses advanced data science to make sense of telco data and complex social data to build a credit score