Key Findings
- 1Practical lessons from deploying machine learning in credit scoring — what works, what doesn't, and what regulators think.
Overview
AI-powered credit decisioning promises to extend credit to previously unscoreable populations, reduce default rates, and accelerate decision times from days to seconds. The reality is more nuanced.
"Lenders using these signals report 40-60% higher approval rates with equivalent or better default rates."
57% of Sub-Saharan African adults remain unbanked — representing the world's largest financial inclusion opportunity.
Mobile-first fintech platforms are uniquely positioned to capture this 350M+ person market.
What Actually Works
After studying deployments across 15+ lenders in Africa and globally, the evidence supports three clear wins:
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