In today’s interconnected global economy, access to credit is not just a financial service but a gateway to opportunity. However, for millions of individuals and businesses worldwide, this access remains elusive due to various barriers, including limited credit histories and lack of technical sophistication to create an all-inclusive ecosystem that can easily report and distribute…

Whether we like it or not, our approach to money is heavily influenced by the time period we grew up in.  Every generation gets labelled with stereotypes, often by other generations – whether it’s about still using outdated technology like fax machines, enjoying ’80s movie marathons, prioritising self-care spending, or spending too much time on…

When it comes to developing and emerging markets, Africa stands out as an enigma, holding within its borders a plethora of untapped opportunities. In recent years, Africa has emerged as a continent with immense economic potential, attracting global attention and investment – one may argue that its rapidly growing middle class, burgeoning urbanization, and a…

In recent years, the finance industry has witnessed a significant transformation with the rise of Buy Now, Pay Later (BNPL) services. These services have become immensely popular, reshaping the way consumers approach payments and giving rise to a new era of convenience and flexibility. As this trend continues to gain momentum, businesses are exploring innovative…

In the ever-changing world of finance, innovation continues to reshape lending and credit assessment approaches. However, the conventional credit scoring model, primarily reliant on credit history and income, often underserves a significant portion of the population, particularly immigrants. This is where alternative data comes into play, offering a more comprehensive understanding of an individual’s financial…

In the world of lending, making the right decision can be a daunting task. One common challenge  Financial institutions, lenders, and credit providers all grapple with is how to accurately evaluate an individual’s creditworthiness. Because  traditional credit history evaluations come with limitations, they can hinder the ability to make informed lending decisions. Traditional credit history…

Not so long ago, getting a loan was a bit of an Herculean task because you had to deal with countless paperwork, make countless trips to the bank, and then anxiously wait for that all-important decision from an underwriter.  In the same light, lenders didn’t particularly have it any easier. They were stuck with these…

In an era of unprecedented global connectivity, migration stands as a defining characteristic of our times. People from diverse corners of the world embark on new journeys, seeking enhanced opportunities and novel experiences in foreign lands. This decision to migrate often stems from a multitude of factors: economic prospects, safety assurances, educational pursuits, and more.…