Creating A Micro-Credit Reference Bureau

Twahirwa Merab of PIVOT ACCESS Ltd. in Rwanda will improve access to credit for poor individuals in Rwanda by developing a credit scoring system so that digital financial service providers can better estimate risk. Their system will integrate data from a range of financial transactions such as utility bill payments and mobile phone top-up frequencies to produce a formal credit history for each individual. They will perform a pilot test involving a Rwandan mobile network operator and bank to assess the feasibility of their system and use the results to refine it.