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The small scale of some businesses we encountered, such as the one pictured above, reinforces their need for access to financial products. 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LenddoEFL Partner Success Manager, Gerardo Rivero, doing field research for our financial access tools https://lenddoefl.com/news/2018/5/29/cardratescom-how-lenddoefl-uses-data-and-personality-analyses-to-increase-access-to-financial-services-in-emerging-economies monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1527664264474-9PKXENJ031JAV77JMPU8/Screen+Shot+2018-04-20+at+2.15.49+PM.png Blog - CardRates.com | How LenddoEFL Uses Data and Personality Analyses to Increase Access to Financial Services in Emerging Economies https://lenddoefl.com/news/2018/5/27/blog-score-confidence-boosting-predictive-power monthly 0.5 2018-05-28 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1527129754645-KYRVC27ML1S9AOHPJ3MU/image1.jpg Blog - Blog | Score Confidence: Boosting Predictive Power https://lenddoefl.com/news/2018/5/21/ide-ghana-increases-access-to-sanitation-with-help-of-innovative-credit-assessment-from-lenddoefl monthly 0.5 2018-05-22 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1526955677399-K6VTJFTPMM7GJEWTN7K7/image+3.png Blog - Blog | iDE Ghana increases access to sanitation with help of innovative credit assessment from LenddoEFL https://lenddoefl.com/news/2018/5/19/blog-data-privacy-by-richard-eldridge-lenddoefl-ceo monthly 0.5 2018-05-24 https://lenddoefl.com/news/2018/5/17/blog-credit-scoring-using-digital-footprints monthly 0.5 2018-05-22 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1526545597030-QCSEHPACSBAJL9WVSZVH/caterina-beleffi-268858-unsplash.jpg Blog - Blog | Credit Scoring using Digital Footprints - Evaluation of Research Findings https://lenddoefl.com/news/2018/5/17/newswav-ctos-lenddoefl-partner-to-boost-financial-inclusion-in-malaysia monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1526543610952-7PWUJ1MC5ZME04E42A4Y/newswav.jpg Blog - NewsWav | CTOS & LenddoEFL partner to boost financial inclusion in Malaysia https://lenddoefl.com/news/2018/5/17/yahoo-japan-can-japanese-banks-use-big-data-with-ai-loan-ai monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/5/17/sina-news-taiwan-how-to-break-the-credit-assessment-problem- monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1526540927725-074SKTH2UAV754RESQJW/FC_Fin_Inclusion_1024x1024.jpg Blog - Sina News Taiwan | How to break the credit assessment problem? (如何破解信貸評估難題?) https://lenddoefl.com/news/2018/5/17/benzinga-here-are-the-benzinga-global-fintech-award-finalists-for-the-best-under-banked-or-emerging-market-solution monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/5/9/welcoming-our-new-behavioral-science-manager monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1525842076016-P8VSIBTWRQL7CR7A8XRN/Jonathan+welcome+post.jpg Blog - Welcoming our New Behavioral Science Manager In this photo, Jonathan demonstrates cultural differences in height during a field visit with loan applicants in Veracruz, Mexico. https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1525842552125-BCT7XE7CXE64OVQ8YQFG/image2.jpg Blog - Welcoming our New Behavioral Science Manager https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1525842663861-6HI0AUA6HE2M0WBRKXU1/image1.jpg Blog - Welcoming our New Behavioral Science Manager https://lenddoefl.com/news/2018/5/7/the-economist-mobile-financial-services-are-cornering-the-market monthly 0.5 2018-05-19 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1525671813279-0VF978YSZ949TVLIZ8WL/20180505_SRD003_4.jpg Blog - The Economist | Mobile financial services are cornering the market https://lenddoefl.com/news/2018/5/7/microcapital-traditional-credit-bureau-ctos-tapping-lenddoefl-to-add-digital-behavioral-data-to-scoring-models-to-boost-financial-inclusion-in-malaysia monthly 0.5 2018-05-07 https://lenddoefl.com/news/2018/5/2/lodex-blog-lodexsecurity-privacy-and-social-data-insights-from-lenddoefl monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/4/26/could-personality-tests-one-day-replace-credit-scores monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1524737458565-I3G896GYZDIA3DLKJSLG/forbes+article+042018.jpg Blog - Forbes | Could Personality Tests One Day Replace Credit Scores? https://lenddoefl.com/news/2018/4/26/rduire-les-risques-des-systmes-innovants-dvaluation-du-crdit-pour-aider-les-agriculteurs monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1524737282587-ISK07IK2GKN2PGSYBUEU/Screen+Shot+2018-04-26+at+6.07.32+PM.png Blog - Spore Magazine | Réduire les risques : Des systèmes innovants d’évaluation du crédit pour aider les agriculteurs https://lenddoefl.com/news/2018/4/24/8-empresas-da-amrica-latina-interrompendo-finanas-locais-paypal-bitcoin monthly 0.5 2018-05-03 https://lenddoefl.com/news/2018/4/24/what-happens-at-the-convergence-of-machine-intelligence-and-online-lending monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/4/24/how-bigtech-challenges-banks monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/4/24/the-future-of-artificial-intelligence-in-banking monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/4/20/malaysia-fintech-heavyweight-ctos-expands-services-for-a-better-financial-inclusion monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/4/16/credit-bureau-veteran-darshan-shah-joins-lenddoefl-as-managing-director monthly 0.5 2019-01-02 https://lenddoefl.com/news/2018/4/16/-ctos monthly 0.5 2018-05-03 https://lenddoefl.com/news/2018/4/16/fintech-heavyweight-ctos-expands-services-for-a-better-financial-inclusion monthly 0.5 2018-05-03 https://lenddoefl.com/news/2018/4/16/ctos-and-lenddoefl-partner-up-to-boost-financial-inclusion-in-malaysia monthly 0.5 2019-01-02 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1523859696168-K1HZBYUPTWEGG93AZG25/DSC_9543.jpeg Blog - Malaysian Business Online | CTOS and LenddoEFL partner up to boost Financial Inclusion in Malaysia CTOS Data Systems Sdn Bhd, Malaysia’s largest credit reporting agency, has entered into a partnership with LenddoEFL. https://lenddoefl.com/news/2018/4/16/ctos-lenddoefl-extends-financial-inclusion-in-malaysia monthly 0.5 2018-05-03 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1523859159877-HG1HC2V2WNDSO65H9C06/Screen+Shot+2018-04-16+at+2.07.06+PM.png Blog - AstroWani | CTOS, LenddoEFL extends financial inclusion in Malaysia 30% of Malaysians with good potential is still denied access to loans. This is because they lack or directly have no credit history. 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https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1538553513171-A0D7JX8AN89SW7EY70Y2/steven-lelham-342930-unsplash.jpg LenddoEFL Credit Scoring Method https://lenddoefl.com/behaviouralinsights-download daily 0.75 2021-02-01 https://lenddoefl.com/behavioural-insights daily 0.75 2021-02-01 https://lenddoefl.com/home daily 1.0 2021-09-17 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1631849913541-86CRU1HD1ATXPEA8W8Y1/Lenddo+picture.png Home https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1602733708683-BLQ3JZ6ZK7LNICD8PIKN/pastedImage0.png Home - All data is credit data We create, collect, and analyze data from a wide array of consent-based alternative data sources for an accurate understanding of creditworthiness. https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1610671100053-FRWB9XSMHE95W00CN9F7/mark-finn-SgraLCyISWs-unsplash-758x505.jpg Home - Personality as a product? 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https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1621225029524-163H7LDWIY1BCJYZ6806/image11.jpg Resources - Psychometric Assessment While some people still lack a robust digital footprint, everyone has a psychological profile that can be characterized and used for alternative credit scoring. https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1621225314230-85J7AGA86VBIEOOE8VXI/image2.png Resources - The GINI Coefficient in Credit Scoring In this series of posts, we discuss Gini and dig into its uses and the ways we see it misused in credit scoring. https://lenddoefl.com/ourstory daily 0.75 2021-09-17 https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1606181242750-1704QZV6LVT76GPTB98T/History+block_2020v2.png Our Story https://images.squarespace-cdn.com/content/v1/59d7c8fc8a02c7612c9b60e3/1564720387281-K9ZXR4KDAQMJ3HEYMZIG/2019.png Our Story 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