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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.’

Several fintech companies are using advanced data science to better use existing data sources and use alternate data sources to build credit scores for the unbanked and underbanked.