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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.

More information about Explore New Ways to Measure Delivery and Use of Digital Financial Services Data (Round 16)

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The Bill & Melinda Gates Foundation is part of the Grand Challenges partnership network. Visit grandchallenges.org to view the map of awarded grants across this network and grant opportunities from partners.