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La Copa de Naciones de Ciclismo de Pista de Cali tendrá 36 países en acción estadiodeportivo.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from estadiodeportivo.com Daily Mail and Mail on Sunday newspapers.
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How Data is Changing Credit Michael Schlein, President & CEO, Accion Michael Schlein, President & CEO, Accion Around the world, two billion people lack access to formal financial services. There’s no single cause for this widespread and significant problem, nor is there a single way to address it. But there are new trends in data, analytics, and mobile phones that we can use to remove some of the impediments preventing people from accessing and using formal financial services–particularly credit. In many cases, the principal barrier preventing applicants from borrowing is a fundamental lack of information about the customers themselves. Lenders reject potentially creditworthy applicants because they don’t have the detailed financial profiles that banks rely on in underwriting. These “thin-file” applicants–including first-time borrowers, legal migrants, and young adults–might be excellent customers, but lenders typically pass on them ....